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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 1687056 times)

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2820 on: June 14, 2013, 02:15:20 AM »
So first his brother's account got A/A'd, then his account (just recently) got A/A'd.
Oh, what an unlucky family.
Or maybe he's the DDF resident Chase mole, trying to scare off people.

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Offline Moes Tavern

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2821 on: June 14, 2013, 05:06:52 PM »
How did you know I work for Chase???  ;)

My brother and I had an A/A at different times and for very different reasons.

My card was originally issued by WAMU and then taken over by Chase who attached the Flexible Rewards program to it. I was trying to transfer those points into UR points or UA miles. I tried a bunch if times to HUCA with them and then started to SM hoping I could find the right person to make the transfer. Part of my argument was I got left behind by Chase as they moved most people over to a Freedom card and I was never given that option.
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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2822 on: June 18, 2013, 08:43:08 AM »
They're lately shuting down huge corporate checking accounts for no good reason.
Adorama had all their Chase accounts closed; G. Bauer (a Jewish billionaire) they closed his all business accounts.
There are quite a lot reports of checking account closures for personal as well, for no given reason.
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Offline Nitantnel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2823 on: June 18, 2013, 11:07:04 AM »
Wow, that's strange!

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2824 on: June 18, 2013, 11:09:35 AM »
Wow, that's strange!
Most of the time there is more to the story. Like personal accounts depositing 6 figures in MO's every month.
Only on DDF does 24/6 mean 24/5/half/half

Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2825 on: June 18, 2013, 11:29:13 AM »
have about 300,000 UR points as beacouse transferring them to another UR account may trigger a AA  would any one convert it in to a united milage account, and sell it as united miles and swallow the lose??   (united points ur getting about1.55 vs UR ur getting about 1.75)   
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Offline bem684

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2826 on: June 18, 2013, 11:50:15 AM »
have about 300,000 UR points as beacouse transferring them to another UR account may trigger a AA  would any one convert it in to a united milage account, and sell it as united miles and swallow the lose??   (united points ur getting about1.55 vs UR ur getting about 1.75)

Why not just transfer 100k to another UR now, wait a few months and do it again, etc?

Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2827 on: June 18, 2013, 11:53:19 AM »
Why not just transfer 100k to another UR now, wait a few months and do it again, etc?
Are u sure that like this it will not trigger any AA?
You can say what you think when you think what you say.

Offline Zevwolf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2828 on: June 18, 2013, 11:54:57 AM »
If you have so many points, the broker will probably  transfer it directly to someone's mileage account not UR account.

Offline bem684

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2829 on: June 18, 2013, 12:04:08 PM »
Are u sure that like this it will not trigger any AA?

Absolutely not.  But if very large transfers might trigger AA, then it makes sense to break it into smaller ones.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2830 on: June 18, 2013, 12:48:04 PM »
If you have so many points, the broker will probably  transfer it directly to someone's mileage account not UR account.

+1.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2831 on: June 18, 2013, 01:38:22 PM »
Absolutely not.  But if very large transfers might trigger AA, then it makes sense to break it into smaller ones.

100k can definitely trigger an A/A. Still seems that its far more unlikely for the sender than the recipient though

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2832 on: June 18, 2013, 02:04:57 PM »
Most of the time there is more to the story. Like personal accounts depositing 6 figures in MO's every month.
+1
Its when there are suspicion of money laundering, they shut you down without asking any question.
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Offline churnbabychurn

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2833 on: June 24, 2013, 10:14:01 PM »
Is hyper aggressive HUCAing to push through apps a possible AA trig? (can a recon rep whos getting nervous from you flag an AA?)

Offline SPLP

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2834 on: June 24, 2013, 10:56:38 PM »
Is hyper aggressive HUCAing to push through apps a possible AA trig? (can a recon rep whos getting nervous from you flag an AA?)

I do not think so , but-- hyper anything is not a good way when you "want" someone to extend you credit , maybe let it go for a day or two , and call after you get yourself back in shape

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2835 on: June 25, 2013, 11:47:15 AM »
Is hyper aggressive HUCAing to push through apps a possible AA trig? (can a recon rep whos getting nervous from you flag an AA?)

I'd say absofreakinlutely.
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Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2836 on: June 28, 2013, 01:45:25 PM »
Chase close anyones checking accounts recently?

Offline yitzf

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2837 on: June 28, 2013, 07:56:39 PM »
Chase close anyones checking accounts recently?

There were a number of reports upthread.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2838 on: July 09, 2013, 12:34:30 PM »
Chase close anyones checking accounts recently?
Oh yeah.

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-No cash deposits/payments.
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Offline yare

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2839 on: July 09, 2013, 12:53:42 PM »
I'd say absofreakinlutely.
you have any basis for this, or just guess work?