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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 (10.6%)
No (Bli Ayin Horah)
430 (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: 585

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1012198 times)

Offline youthink

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3465 on: October 14, 2013, 02:42:41 PM »
55 people reported being A/A'd out of thousands of DDF members

If the poll responses of 259 users represent a statistically reliable sample size then we can extrapolate that 21.5% of DDF users have been AAd. If it's not reliable then the poll is pointless. Even if you want to assume that AA victims are the most likely to respond (I doubt that as it hasn't gone up much in recent weeks despite the many posts on the forums) and generously assume that represents a 50% hit to the percentage of AAs. You're still left with over 10% of DDF users who have been AAd. If Chase was AAing 10% of all cardholders (6 million cards!) there would probably be a huge uproar.

Offline mow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3466 on: October 14, 2013, 02:57:14 PM »
I heard they are only closing down users who had metzizah bpeh

Offline Gold Mine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3467 on: October 14, 2013, 03:15:02 PM »
Dan wrote, by many people it can be extremely minor and unavoidable.
I don't believe that Chase is closing accounts out of the blue, but it might that they target certain areas to be stricter than in other areas.
I personally know many people that their accounts were closed that none of the above reasons apply. The explanation they got from the representative was that we decided that your total credit limit of all cards (including other banks) is too high. This reason is unavoidable, when you open cards and use them carefully.
So, just follow Dan's advice, but be prepared for a sudden shutdown! Don't let your points sit in Chase for too long.

Offline Baruch

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3468 on: October 14, 2013, 03:16:00 PM »
I heard they are only closing down users who had metzizah bpeh
lol
When somebody thanks you for a favor you've done, respond "my pleasure", not "no problem".

Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3469 on: October 14, 2013, 03:22:49 PM »
Dan wrote, by many people it can be extremely minor and unavoidable.
I don't believe that Chase is closing accounts out of the blue, but it might that they target certain areas to be stricter than in other areas.
I personally know many people that their accounts were closed that none of the above reasons apply. The explanation they got from the representative was that we decided that your total credit limit of all cards (including other banks) is too high. This reason is unavoidable, when you open cards and use them carefully.
So, just follow Dan's advice, but be prepared for a sudden shutdown! Don't let your points sit in Chase for too long.
Were you interviewed om KM?
You can say what you think when you think what you say.

Offline Drago

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3470 on: October 14, 2013, 03:29:53 PM »
I heard they are only closing down users who had metzizah bpeh
How would they know? I think it's very unlikely, but then again, I can't disprove it.

Offline Gold Mine

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3471 on: October 14, 2013, 03:31:19 PM »

Offline ari2955

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3472 on: October 14, 2013, 03:38:55 PM »
Der blatt

Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3473 on: October 14, 2013, 03:39:22 PM »
yes
Welcome!!

If I may ask were you A/A'd?
You can say what you think when you think what you say.

Offline mow

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3474 on: October 14, 2013, 03:42:28 PM »
How would they know? I think it's very unlikely, but then again, I can't disprove it.
This is america they know everything

Offline Chapshnell

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3475 on: October 14, 2013, 03:53:08 PM »
from chase on twitter

Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3476 on: October 14, 2013, 03:54:48 PM »
Why do people start such ridiculous rumors I dont understand

Offline Chapshnell

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3477 on: October 14, 2013, 03:55:55 PM »
Someone tells me that 5 people from Krula beis hamedresh in Willy got shut down.. So they panic sets in.

Offline ilherman

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3478 on: October 14, 2013, 04:08:22 PM »
from chase on twitter
Great job! they have to start getting millions of people tweeting to them like this.... They have to start to realize that people are stopping to bank with them and they should stop this ridiculous shut downs.
Maybe should we organize a protest against the 2 Chase banks in BP.... if such think would ever happen, meaning hundreds of people protesting and saying that we all will stop banking with Chase maybe this would send a message to the higher ups in Chase, and they would at least sit down to the table having to explain every shut down not just saying transactions inconsistent with expected bla bla bla...
You can say what you think when you think what you say.

Offline yoss6400

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #3479 on: October 14, 2013, 04:09:26 PM »
Why do people start such ridiculous rumors I dont understand
because that's what it is lots of yeshivas and kollim got shut down
"Credit Cards delaying arguments for 30 Days"