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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 1681637 times)

Offline Tax

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3320 on: October 05, 2013, 09:54:58 PM »
If they were just shutting down everyone who is unprofitable then how would FT/MP/DDF not be chock full of everyone getting shut down.
I think most people are just holding back the full details though I'm sure some people probably did nothing wrong per se.


These banks are heavily regulated by the federal government and in most states by the state as well. If they don’t have a VERY good reason to close your account then complain. 

Offline CountValentine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3321 on: October 05, 2013, 09:59:33 PM »
If they don’t have a VERY good reason to close your account then complain.
Most of the time they don't tell you the reason. I assume my checking account was closed for depositing too many MO's in their eyes. Who do I complain to?
Only on DDF does 24/6 mean 24/5/half/half

Offline meshugener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3322 on: October 05, 2013, 11:05:56 PM »
I see many are suddenly mentioning churning the $200 account-opening bonus as a reason for an A/A. Is there any empirical data backing this up?
Its just a theory by one member.
As long as I, my wife, my father, my mother and my sister are still hooked up with Chase, you can be SURE that's not the reason. ;)

Love me or hate me. I still love you.

Offline gloreglabert

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3323 on: October 05, 2013, 11:35:04 PM »
Its just a theory by one member.
As long as I, my wife, my father, my mother and my sister are still hooked up with Chase, you can be SURE that's not the reason. ;)
I highly doubt there's any single reason that you can definitively point to and say "THAT's the reason".  I'm quite confident it's a major contributing factor.  I'm also sure there are other contributing factors we're not aware of.

Offline Tax

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3324 on: October 05, 2013, 11:36:58 PM »
Most of the time they don't tell you the reason. I assume my checking account was closed for depositing too many MO's in their eyes. Who do I complain to?
Well if the FDIC, BBB or NYS Banking Department asks they do have to give a reason.

Offline aryeh1

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3325 on: October 06, 2013, 12:06:25 AM »
Well if the FDIC, BBB or NYS Banking Department asks they do have to give a reason.
Ime That's not the case

Offline MLM

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3326 on: October 06, 2013, 12:15:43 AM »
Does it help if I am Chase Private Client?

Offline Super Speed

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3327 on: October 06, 2013, 12:17:31 AM »
what's the time frame to try to get in the game with chase?
After getting A/Ad?


Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3328 on: October 06, 2013, 12:19:19 AM »
Does it help if I am Chase Private Client?
Did you get A/A'd?
You can say what you think when you think what you say.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3329 on: October 06, 2013, 12:23:22 AM »
Well if the FDIC, BBB or NYS Banking Department asks they do have to give a reason.
The fact that they write in the card member agreement that they have the right to shut you down for NO reason does not excuse them?
You can say what you think when you think what you say.

Offline Tax

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3330 on: October 06, 2013, 12:27:10 AM »
The fact that they write in the card member agreement that they have the right to shut you down for NO reason does not excuse them?
No.

Offline yoss6400

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3331 on: October 06, 2013, 01:01:15 AM »
"Credit Cards delaying arguments for 30 Days"

Offline daganster

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3332 on: October 06, 2013, 02:20:47 AM »
With this whole wave of A/A is it safe to buy VR cards with a Chase CC? How about AP?

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3333 on: October 06, 2013, 03:03:46 AM »
With this whole wave of A/A is it safe to buy VR cards with a Chase CC? How about AP?
no one knows one way or another

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3334 on: October 06, 2013, 08:19:00 AM »
Did you get A/A'd?
No, but I am very nervous because if I do it affects more than 40 checking accounts most of them business and very important for everyday operations. (not to mention 15 credit cards) I hope having large balances and a lot of activity will protect us)

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3335 on: October 06, 2013, 08:22:02 AM »
Does it help if I am Chase Private Client?
No.
Only on DDF does 24/6 mean 24/5/half/half

Offline youthink

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3336 on: October 06, 2013, 08:27:04 AM »
The fact that they write in the card member agreement that they have the right to shut you down for NO reason does not excuse them?
They will answer that everything was done in accordance with the cardholder agreement.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3337 on: October 06, 2013, 08:59:08 AM »
I know my friend was shout down a few years ago even before UR and recently he opened large checking accounts and CC and he got approved but was closed because old relationship

Offline daganster

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3338 on: October 06, 2013, 09:44:01 AM »
no one knows one way or another
Are people avoiding these fabricated  spending patterns because of fear of A/A? I know that Dan claims that he's been buying Vr's etc., but how do most people around here feel about all these spending patterns?

Offline Bostener

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3339 on: October 06, 2013, 09:48:11 AM »
They will answer that everything was done in accordance with the cardholder agreement.

Then just give up!
Airlines sending me "We're in this together" emails.

Bruh, where were you when my suitcase weighed it 51.50 pounds?