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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 1687314 times)

Offline jk2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2920 on: August 16, 2013, 07:04:52 AM »
So I see you just finished a FR?  bad luck..

This is different. It looks like that I screwed up it with AMEX GCs. I wanted to buy $6K in one transaction, AMEX declined this order, Chase didn't release the pending charge and I made another order for the same amount. So, in an hour I maximized my whole available credit. I am not sure if this is the reason, but very possible.

Offline sillypainter

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2921 on: August 16, 2013, 08:11:51 AM »
This is different. It looks like that I screwed up it with AMEX GCs. I wanted to buy $6K in one transaction, AMEX declined this order, Chase didn't release the pending charge and I made another order for the same amount. So, in an hour I maximized my whole available credit. I am not sure if this is the reason, but very possible.


I would say the reason is because you bought gift cards...

Offline chaimmayer

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2922 on: August 16, 2013, 08:21:30 AM »
Is this connected to the fraud dept?  In other words if I got a call from then and answered the q's should I still be concerned?

Offline shiframeir

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2923 on: August 19, 2013, 04:15:54 PM »
I bought 5 (only 5) $200 gift cards at Staples and the new woman there treated me like a punk and called up the card before approving the deal. have bought a bunch of gift cards in recent past there (for about $1800) along with scattered other smaller purchases.
am i in for a closeout by Chase/review, or is the precall nothing important?

Offline jk2

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2924 on: August 20, 2013, 01:30:47 PM »
Did you transfer UR recently?
Try calling the executive dept. 888-622-7547 some people were able to appeal.

Called their executive department but they are not willing to reinstate my accounts. The letter came from them explaining the reason for closing - transactions that appeared on you account are not consistent with expected activity. Also, another letter came from Chase Loss management that informs me that they will close my checking account in 2 weeks.

Is there anything I can do? I don't want to lose a relationship with Chase. If bank closes accounts, will they blacklist me?

Offline MarkPresidentialPlus

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2925 on: August 20, 2013, 05:31:13 PM »
Chase United Presidential Plus – CLOSED!

This is virtually my only card, but they also closed my business account ($20,000 limit) the same day. I have been searching for any news / reason that this could happen, as I am totally baffled! Any / all ideas would be most welcome. Thanks, M

Profile:
Card: Chase United Presidential Plus
Credit Limit: $250,000
Customer Since: 1996
Late Payments / Over Limit: 0
Credit Score:   817
Total (non Chase) Debt: $0

12 Month Purchases History (09.13.12 - 08.13.13)
$683,716 - Total Purchases
$56,976 - Average Purchases Per Month (Averages 23% of Available Credit)
$139,479 - Highest Balance (08.07.13)   

August 14, 2013 Letter from Chase: “We are writing to notify you that we have closed the account referenced above. We are taking this action due to the following reason: Transactions on your account are inconsistent with expected activity”

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2926 on: August 20, 2013, 06:28:16 PM »
Chase United Presidential Plus – CLOSED!

This is virtually my only card, but they also closed my business account ($20,000 limit) the same day. I have been searching for any news / reason that this could happen, as I am totally baffled! Any / all ideas would be most welcome. Thanks, M

Profile:
Card: Chase United Presidential Plus
Credit Limit: $250,000
Customer Since: 1996
Late Payments / Over Limit: 0
Credit Score:817
Total (non Chase) Debt: $0

12 Month Purchases History (09.13.12 - 08.13.13)
$683,716 - Total Purchases
$56,976 - Average Purchases Per Month (Averages 23% of Available Credit)
$139,479 - Highest Balance (08.07.13)

August 14, 2013 Letter from Chase: “We are writing to notify you that we have closed the account referenced above. We are taking this action due to the following reason: Transactions on your account are inconsistent with expected activity”
What were you buying? Any gc's?

Offline sillypainter

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2927 on: August 20, 2013, 07:02:15 PM »
Chase United Presidential Plus – CLOSED!

This is virtually my only card, but they also closed my business account ($20,000 limit) the same day. I have been searching for any news / reason that this could happen, as I am totally baffled! Any / all ideas would be most welcome. Thanks, M

Profile:
Card: Chase United Presidential Plus
Credit Limit: $250,000
Customer Since: 1996
Late Payments / Over Limit: 0
Credit Score:   817
Total (non Chase) Debt: $0

12 Month Purchases History (09.13.12 - 08.13.13)
$683,716 - Total Purchases
$56,976 - Average Purchases Per Month (Averages 23% of Available Credit)
$139,479 - Highest Balance (08.07.13)   

August 14, 2013 Letter from Chase: “We are writing to notify you that we have closed the account referenced above. We are taking this action due to the following reason: Transactions on your account are inconsistent with expected activity”

Are you banking with Chase?

Was PP card a personal card? Buying what?

What is this 20K card you're referring to?

Offline moshiach1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2928 on: August 21, 2013, 07:55:58 AM »
Is it risky to transfer ur to ua? (different name)

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2929 on: August 22, 2013, 09:32:39 PM »
Is it risky to transfer ur to ua? (different name)

As of today it seems that Chase is indeed closing Account for third party UA transfers.

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2930 on: August 22, 2013, 09:35:03 PM »
As of today it seems that Chase is indeed closing Account for third party UA transfers.
Do you speak firsthand? Account had no other violations/intra-UR?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2931 on: August 22, 2013, 09:37:15 PM »
No, i cant be certain why my acct was closed (including checking). But here is the report from a very trustworthy friend


"I just found out right now, otherwise I would have said earlier: Chase has been shutting down accounts, and I mean total A/A (checking, etc) over the last week or so, ***EVEN FOR XFERS TO UA***! Two separate brokers that deal heavy in UR contacted me about it about an hour ago. It seems to be based on IP, so be sure to proxy for Chase if you aren't already."

Offline izzchuck

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2932 on: August 22, 2013, 09:44:02 PM »
I spoke to a broker who claimed that no one who transferred their ink UR to a different ink account has been shutdown. Anyone care to comment on this?

Offline yakovwogi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2933 on: August 22, 2013, 09:45:07 PM »
I spoke to a broker who claimed that no one who transferred their ink UR to a different ink account has been shutdown. Anyone care to comment on this?
  I am hoping this is true.  I did just do a large amount of UR to UA to multiple accounts.

Offline izzchuck

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2934 on: August 22, 2013, 09:46:16 PM »
  I am hoping this is true.  I did just do a large amount of UR to UA to multiple accounts.
I was specifically talking about ink points..

Offline yakovwogi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2935 on: August 22, 2013, 09:47:47 PM »
I was specifically talking about ink points..
 
oh boy...... :-*

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2936 on: August 22, 2013, 09:48:14 PM »
All my accounts were shut about a month and half ago. Freedom, United, and Checking accounts. However, they did leave my INK Bold account open and active.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2937 on: August 22, 2013, 10:14:30 PM »
As of today it seems that Chase is indeed closing Account for third party UA transfers.
Explain?

Offline mordy44

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2938 on: August 22, 2013, 10:16:02 PM »

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #2939 on: August 22, 2013, 10:44:28 PM »
Until we see firsthand proof I'm on the fence.
Too many unknowns to start scaring people.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.