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Q: Hi, I searched all over the internet for an active link of the Chase American Airlines credit card and couldn't find one. How did you guys manage to get this card?
A: Ha ha... There's (currently) no co-branded Chase AA credit card, this thread is discussing 'Chase Adverse Action'. As a general rule, AA refers to 'American Airlines', while A/A refers to 'Adverse Action'.

Q: What does Chase A/A look like? Can I do something to prevent that from happening? And once I'm hit, is there anything I can do to get back in the game?
A: To better address all the questions and concerns, we'll divide it in three sections:

1) What Are The Triggers?
2) What Happens?
3) How To Get Back

What Are The Triggers?

Basically, there are two possibilities that might trigger a Chase A/A:
Credit Related Risk
-Opening too many new cards in a short period of time, (even from other banks, and even being added as an additional user is considered as opening a new account, even a spike in your total CL even from being  additional user has been a trigger for many people - Dec 2013);
-A sudden excessive use of your cards;
-Maxing out your available credit limit.
-Buying large amounts of Chase GC (most people didn't have problems but lately some people are getting shut down for this).
Of course, there is no general rule with these things, it mostly varies by your particular credit file and worthiness.

Perk Abuse
-Transferring Ultimate Rewards points to someone else's account other than your spouse or domestic partner;
 both, the sender and the recipient, are at risk of A/A.
-Abuse of the 5% cashback bonus on the AARP card.

What Happens?

Q: What does a Chase A/A look like? How do I know whether I was shut down or not?
A: If you can't access your online account on chase.com, this is not A/A.
    When you encounter such a thing it could be because 1) the website is undergoing maintenance - wait till the site is back up; 2) a sever error - try using
    different browser
; 3) you didn't log in to your account for a while - call the number on the back of your card; 4) a security concern (resulted by a large QuickPay
    transfer or similar - call the number on the back of your card.
    When you get hit by A/A, you'll see a message above your account "Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to
    make monthly payments by the due date."; your card will no longer work; and within 7 days you'll receive a letter in the mail notifying you of the closure and the reason to it.
Q: Do they close down all my cards or just one?
A: If your shutdown was a result of 'credit related risk', they usually close all your credit card accounts, while with 'perk abusers' they used to shut down all of your cards (April '12), but lately, it is limited to the accounts involved in the abuse.
Q: Do they shut down other accounts such as checking, savings or investment accounts?
A: Lately people are reporting getting their checking account closed when getting A/A'd.
Q: Once my card is closed, can I still access my points?
A: Again there's a difference whats the reason your account was closed. Ironically, if its because of 'credit risk', your points will be forfeited, (and that used to be the case with 'perk abusers' during the April '12 A/A wave), but if its because of 'perk abuse', you'll get a certain amount of time (from 2 to 90 days - as specified on your letter) to transfer or redeem your points.

How To Get Back

Q: Once one was shut down, is there any point of calling  customer service or any other department and try to convince them to reopen the closed accounts?
A: If your account was closed due to 'perk abuse' there is -almost- no way to convince them to reopen it (unless there was an error, and you really didn't commit any violations of the
     terms and conditions).
     But if your account was closed for credit related reasons, you might have luck by calling the executive dept. 1888-622-7547 and trying to explain them why it might've looked like your at risk of default, but in fact, there is nothing to worry about. But of course YMMV with this.
Q: Can I apply for a new credit card after my accounts were closed?
A: Yes. There are a multiple reports of people being approved for a new Chase card after waiting a few months and applying again. But some were not that lucky, and some had their new accounts closed a few days after approval.
« Last edited by Iz on March 22, 2017, 11:26:51 PM »

Poll

Have You Been A/A'ed?

Yes, I've Been Shut Down And Received 1 Cent Per Point :(
10 (1.6%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10%)
No (Bli Ayin Horah)
455 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
24 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
69 (11.1%)

Total Members Voted: 618

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1687315 times)

Offline WhyAich

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Re: UR transfer warning. A/A risk?
« Reply #2380 on: March 10, 2013, 12:21:29 AM »
MO is Don't do increments of 12k, 2k etc. to top off, wait till you have a lot and then take the risk
For great Airfare deals - PLEASE contact me via PM or email: whyaich@gmail.com

Offline churnbabychurn

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Re: UR transfer warning. A/A risk?
« Reply #2381 on: March 10, 2013, 12:24:42 AM »
some brokers will respect your request and only do UR to UA for the same great price...

Offline Mimi K.

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Re: UR transfer warning. A/A risk?
« Reply #2382 on: March 10, 2013, 03:17:42 AM »
some brokers will respect your request and only do UR to UA for the same great price...
only if that price was low in the first place.
and not recently since the market slowed. why would I buy it with strings attached if I have too much as it is?   ::) ::)
unless they do what one guy does and makes 5 transfers into 1 United account.
My travel agents don't like it.
They consider it risky.
He must not be named has no problem with it
But if you want to give him access to your accounts that is your perogative,
Our mutual friend had a $3k charge on credit cards that he was gonna pay "soon"
The "check is in the mail"
"I never did it dispute it", etc etc for 2 months
"Life, Liberty and the Pursuit of Free Stuff!" 8)

Offline YG

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Re: UR transfer warning. A/A risk?
« Reply #2383 on: March 10, 2013, 03:40:31 AM »
Noone has ported being shut down for just UR>Airline transfers though that can always change.

Really?
I guess I have been misunderstanding. So what has been reported to do it?

Offline Saver2000

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Re: UR transfer warning. A/A risk?
« Reply #2384 on: March 10, 2013, 03:59:01 AM »
He must not be named has no problem with it
But if you want to give him access to your accounts that is your perogative,
Our mutual friend had a $3k charge on credit cards that he was gonna pay "soon"
The "check is in the mail"
"I never did it dispute it", etc etc for 2 months
???
Who/what/when are you talking to/about?

Offline Mimi K.

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Re: UR transfer warning. A/A risk?
« Reply #2385 on: March 10, 2013, 04:02:19 AM »
???
Who/what/when are you talking to/about?
Hamaven Yaven
"Life, Liberty and the Pursuit of Free Stuff!" 8)

Offline CountValentine

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Re: UR transfer warning. A/A risk?
« Reply #2386 on: March 10, 2013, 10:16:06 AM »
Noone has ported being shut down for just UR>Airline transfers though that can always change.
First post and first report of a shut down. Do I win a prize?  :)
Many transfers to only partners, no UR>UR. SP was shut down along with two business cards.
Only on DDF does 24/6 mean 24/5/half/half

Offline YG

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Re: UR transfer warning. A/A risk?
« Reply #2387 on: March 10, 2013, 10:17:36 AM »
First post and first report of a shut down. Do I win a prize?  :)
Many transfers to only partners, no UR>UR. SP was shut down along with two business cards.

Did you get a warning message during a transfer prior to A/A?

Offline sky121

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Re: UR transfer warning. A/A risk?
« Reply #2388 on: March 10, 2013, 10:19:17 AM »
First post and first report of a shut down. Do I win a prize?  :)
Many transfers to only partners, no UR>UR. SP was shut down along with two business cards.

Were all cards from Chase closed down?
"Not all who wander are lost"

Offline sruly

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Re: UR transfer warning. A/A risk?
« Reply #2389 on: March 10, 2013, 10:20:16 AM »
Noone has ported being shut down for just UR>Airline transfers though that can always change.
I have at least 3 friends who were shut down for transfers from ink bold to united accounts (they also had high monthly spending but paid everything in full every month)

Offline CountValentine

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Re: UR transfer warning. A/A risk?
« Reply #2390 on: March 10, 2013, 10:20:48 AM »
Did you get a warning message during a transfer prior to A/A?
Not that I remember. This happened 4-6 months ago.
Only on DDF does 24/6 mean 24/5/half/half

Offline YG

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Re: UR transfer warning. A/A risk?
« Reply #2391 on: March 10, 2013, 10:22:37 AM »
Not that I remember. This happened 4-6 months ago.

Would you mind describing the experience?
Did you just find your card was closed and call up to be told why?

Offline CountValentine

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Re: UR transfer warning. A/A risk?
« Reply #2392 on: March 10, 2013, 10:24:36 AM »
Were all cards from Chase closed down?
Yes, only had the three cards.
Only on DDF does 24/6 mean 24/5/half/half

Offline churnbabychurn

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Re: UR transfer warning. A/A risk?
« Reply #2393 on: March 10, 2013, 10:25:40 AM »
only if that price was low in the first place.
and not recently since the market slowed. why would I buy it with strings attached if I have too much as it is?   ::) ::)
unless they do what one guy does and makes 5 transfers into 1 United account.
My travel agents don't like it.
They consider it risky.
He must not be named has no problem with it
But if you want to give him access to your accounts that is your perogative,
Our mutual friend had a $3k charge on credit cards that he was gonna pay "soon"
The "check is in the mail"
"I never did it dispute it", etc etc for 2 months
i was stating a fact. Some reliable brokers do this for the same great price.

Offline yeshiva36

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Re: UR transfer warning. A/A risk?
« Reply #2394 on: March 11, 2013, 12:42:44 AM »
And the risk of selling your ua miles? high or low?

Offline MEIR613

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Re: UR transfer warning. A/A risk?
« Reply #2395 on: March 11, 2013, 12:45:14 AM »
And the risk of selling your ua miles? high or low?
Not really when done the right way.

Offline Ez

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Re: UR transfer warning. A/A risk?
« Reply #2396 on: March 11, 2013, 04:18:33 AM »
Right way, acct. owner's cc? departing/arriving in owner's city/vicinity? what else?

Offline sguitarist18

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Re: UR transfer warning. A/A risk?
« Reply #2397 on: March 11, 2013, 06:41:05 AM »
If you get an AA, all your cards get closed, and you can never open a Chase account again?

Offline churnbabychurn

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Re: UR transfer warning. A/A risk?
« Reply #2398 on: March 11, 2013, 08:30:09 AM »
And the risk of selling your ua miles? high or low?
Sell UR to a broker who transfers to his UA. Its pretty simple!

Offline sruly101

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Re: UR transfer warning. A/A risk?
« Reply #2399 on: March 11, 2013, 08:31:15 AM »
Sell UR to a broker who transfers to his UA. Its pretty simple!
Then he will pay me the UA price!