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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 1686765 times)

Offline ckmk47

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4920 on: July 08, 2014, 10:49:45 AM »
The problem is that with Chase, they don't ask.  They just shut you down if they don't like what you're doing.  From there, it's a next-to-impossible chance of getting your cards reopened.
Then use a different card?
My favorite cause: cssy.org

Offline TC610

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4921 on: July 08, 2014, 10:52:33 AM »
Then use a different card?

Sure, but the question was asked and answered in the "Chase A/A Master Thread", so one would think that the OP was asking in this thread because he was concerned about getting A/A'd by Chase by making those purchases.

Offline joey123

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4922 on: July 08, 2014, 01:05:44 PM »
Sure, but the question was asked and answered in the "Chase A/A Master Thread", so one would think that the OP was asking in this thread because he was concerned about getting A/A'd by Chase by making those purchases.

That is correct. I just got another 3K today. I think I now have enough gas, even if I drove a tractor trailer. Chase approved both of the large purchases on the phone, so I don't foresee any problems.
To the nOObs out there, feel free to PM with q's. #AlwaysTakesTheHighRoad #LovesHashTags

Offline Thingywingy

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4923 on: July 09, 2014, 05:10:53 PM »
I have a Sapphire card with 10k credit limit that I'm about to close. I have a United accout with a very large credit limit, which is a about half my total annual income. Is it a good idea to transfer the credit from the Sapphire card to further improve my credit utilization ratio? or is haveing such a large limit a trigger for being reviewed?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4924 on: July 10, 2014, 01:06:15 AM »
I have a Sapphire card with 10k credit limit that I'm about to close. I have a United accout with a very large credit limit, which is a about half my total annual income. Is it a good idea to transfer the credit from the Sapphire card to further improve my credit utilization ratio? or is haveing such a large limit a trigger for being reviewed?
I would just close the sapphire, although it's good to have good credit ratio I think you should be more concerned (with Chase) about having too much credit, so it's goos to let some go here and there so it doesn't shoot up.

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4925 on: July 17, 2014, 01:21:42 AM »
 I spent with my dad's cc was declined. Called the fraud team they asked me a couple of multiple choice security questions and I got them right. Then they asked me about his southwest card which he doesn't have so I told me them he has a different card not the southwest. They then told me that they had to transfer my account to a differnt department ! Is this typical ? Or is this the beginning of an A/A?
Denny Crane

Offline Malachi

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4926 on: July 17, 2014, 10:01:48 AM »
I spent with my dad's cc was declined. Called the fraud team they asked me a couple of multiple choice security questions and I got them right. Then they asked me about his southwest card which he doesn't have so I told me them he has a different card not the southwest. They then told me that they had to transfer my account to a differnt department ! Is this typical ? Or is this the beginning of an A/A?
update: wasn't a big deal they just called this morning to my home phone to confirm it was me.
Denny Crane

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4927 on: July 17, 2014, 10:36:43 AM »
#paranoid

Offline chamdena

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4928 on: July 17, 2014, 08:04:42 PM »
I hope this is right thread... The risk of having too much credit, refferes to one's over all credit? Or ones total credit with Chase alone?

Offline googwallet

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4929 on: July 17, 2014, 11:21:57 PM »
I hope this is right thread... The risk of having too much credit, refferes to one's over all credit? Or ones total credit with Chase alone?
See wiki for more details

Offline mawmaw

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4930 on: July 18, 2014, 12:11:31 AM »
I spent with my dad's cc was declined. Called the fraud team they asked me a couple of multiple choice security questions and I got them right. Then they asked me about his southwest card which he doesn't have so I told me them he has a different card not the southwest. They then told me that they had to transfer my account to a differnt department ! Is this typical ? Or is this the beginning of an A/A?
next time don't call for you father this is illegal  :P :P

Offline joey123

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4931 on: July 18, 2014, 12:12:57 AM »
next time don't call for you father this is illegal  :P :P

+1. I remember reading a post last year about someone who tried calling for their Dad, Amex completely shut down all of his cards. I happen to be guilty of this as well because I call for my Dad, but our voices sound very similar.
To the nOObs out there, feel free to PM with q's. #AlwaysTakesTheHighRoad #LovesHashTags

Offline Ephraimh

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4932 on: July 18, 2014, 10:55:43 AM »

I hope this is right thread... The risk of having too much credit, refferes to one's over all credit? Or ones total credit with Chase alone?
Overall.

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4933 on: July 18, 2014, 11:03:10 AM »
Overall.
are you sure it is not both?
I just found a new supply of forks!

Offline Ephraimh

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4934 on: July 18, 2014, 11:09:00 AM »

are you sure it is not both?
What do you mean, like if you have more Chase credit than overall credit...

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4935 on: July 18, 2014, 11:11:21 AM »
What do you mean, like if you have more Chase credit than overall credit...
like you have 100k total and 80k of that is with Chase.
I just found a new supply of forks!

Offline Ephraimh

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4936 on: July 18, 2014, 11:21:33 AM »

like you have 100k total and 80k of that is with Chase.
They'll look at the 'overall' pic which is 100k, or as you like to call it 'both'...

Offline ChaimMoskowitz

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4937 on: July 18, 2014, 11:30:28 AM »
They'll look at the 'overall' pic which is 100k, or as you like to call it 'both'...
what I meant was that might be OK with a 100k total but 80k of that with them is to much. just asking.
I just found a new supply of forks!

Offline Ephraimh

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4938 on: July 18, 2014, 11:38:16 AM »

what I meant was that might be OK with a 100k total but 80k of that with them is to much. just asking.
They look at how much avail credit you have handy, so they won't be more comfortable with credit you have form others

Offline liw5215

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #4939 on: July 20, 2014, 07:40:33 PM »
anybody got back into the game after A/A? how long was the wait?