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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 :(
9 (1.5%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10.5%)
No (Bli Ayin Horah)
431 (73.3%)
I Was Shut Down But Was Able To Get Reopened After Appeal
23 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
63 (10.7%)

Total Members Voted: 586

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1034838 times)

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2850 on: July 09, 2013, 10:26:47 PM »
you have any basis for this, or just guess work?
Unfortunately - for those effected, this is not guess work.
IIRC there had been reports of it.

But, as I've said before, aggressively looking for credit isn't a good thing and raises one's perceived risk of default, so it's not much of a stretch to link the two, IMHO.
What I'm referring to (and which has been recently linked to the huge volume of deposit account closures) has nothing to do with either credit risk or perk abuse, its the risk of Chase running into problems with the government.
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Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2851 on: July 10, 2013, 12:44:37 AM »
With Chase you have to watch the volume you run through your checking/savings account. It does not matter if it is cash, third party checks, MO's or ACH's.
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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2852 on: July 10, 2013, 01:28:53 PM »
With Chase you have to watch the volume you run through your checking/savings account. It does not matter if it is cash, third party checks, MO's or ACH's.
I can't say more than -1
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Offline sruly101

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2853 on: July 10, 2013, 01:31:00 PM »
I can't say more than -1
If ill open a chase checking account and deposit $10K cash, is there a problem?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2854 on: July 10, 2013, 01:35:47 PM »
Unfortunately - for those effected, this is not guess work. What I'm referring to (and which has been recently linked to the huge volume of deposit account closures) has nothing to do with either credit risk or perk abuse, its the risk of Chase running into problems with the government.

Pretty sure you didn't follow the convo...
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Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2855 on: July 10, 2013, 02:04:27 PM »
If ill open a chase checking account and deposit $10K cash, is there a problem?
Ask Mohammed.
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Offline sruly101

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2856 on: July 10, 2013, 02:05:38 PM »

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2857 on: July 10, 2013, 02:08:56 PM »
?? PLs explain
last time I checked, he was the most popular prophet.
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Offline compddd

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2858 on: July 10, 2013, 02:19:19 PM »
last time I checked, he was the most popular prophet.

lol awesome

Offline sruly101

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2859 on: July 10, 2013, 03:16:26 PM »
If some1 can please explain what going on here, ill appreciate it

Offline izzchuck

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2860 on: July 10, 2013, 03:23:44 PM »

Offline Redbull3

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2861 on: July 10, 2013, 03:47:01 PM »
If some1 can please explain what going on here, ill appreciate it

+1 what's the point of forums if we're all so cryptic! lol

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2862 on: July 10, 2013, 05:15:32 PM »
I can't say more than -1
…and of course you have tons of experience with this as opposed to the rest of us.  :P
If you want to vote Democrat, you are being very disloyal to Jewish people and very disloyal to Israel, Mr. Trump said.

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2863 on: July 11, 2013, 12:30:18 PM »
…and of course you have tons of experience with this as opposed to the rest of us.  :P
I have full respect for your outstanding knowledge in these topics, no pun intended, but here I must say again: -1
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Offline yare

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2864 on: July 11, 2013, 05:29:35 PM »
IIRC there had been reports of it.

But, as I've said before, aggressively looking for credit isn't a good thing and raises one's perceived risk of default, so it's not much of a stretch to link the two, IMHO.
while you're right that aggressively looking for credit raises one's perceived risk, you have to know how chase judges "aggressively looking".  generally, that's based on your cr, and the amount of recent apps etc etc.  to say that the guys at recon judge your calling to recon in and of itself as an aggressive act of looking for credit, and that that goes into chase's file as a mark on your credibility...  there's the stretch.       

unless there's solid proof to it, i wouldn't give it to much weight