AA potentially closing accounts due to credit card churning/churn
#616
Join Date: Dec 2003
Location: NYC
Posts: 6,433
Would you mind explaining why you’d need several of the same AA card rather than one each of three different AA cards? Hard to believe anyone would need three, let alone six or 12, of the same AA card when authorized user cards exist. This is especially true when you consider the $95 annual fee.
The questions should be how many cards are you allowed under AA's and Citi's T&Cs and did you get those cards by engaging in fraudulent or similar behavior.
AA may set any rules it wants. It should not be able to change those rules and enforce them retroactively.
Signing up your pets for AA accounts and using the resultant offer codes or otherwise using offer codes meant for others? AA should have at it. Signing up for business cards without a business? Not exactly a pure move. Signing up for multiple cards at a time when that was permitted (including being known by AA and Citi without either giving any indication it was an issue), then confiscating miles? That's something else.
What is AA actually doing? It's not clear to me.
#617
Join Date: Dec 2003
Location: PHL
Programs: AA EXP, Marriott Lifetime Plat, SPG Plat, AMEX Plat, Hertz PC, Travels too Much Platinum
Posts: 3,290
The one current Concierge Key member I know goes out of his way to go to AA Dining participating restaurants for lunch to get what is typically just dozens of miles per transaction, then will fly to Asia the next day in full fare business or first, earning far more. These rewards programs drive interesting behavior - I wouldn’t be in the least bit shocked to hear of some high status holders participating, even if they don’t really need to.
#618
Join Date: Jan 2017
Posts: 805
If you are a $100k customer and opened 3 of the SAME card, I can see AA letting it go. Your ROI as a customer is much greater than the "abuse".
If you are a once a year customer and opened 3 of the SAME card, I can see AA closing your account. Your ROI as a customer is much less than the "abuse.”
If you are a once a year customer and opened 3 of the SAME card, I can see AA closing your account. Your ROI as a customer is much less than the "abuse.”
I think many of the corporate shills are giving AA too much credit for being shrew. This is the same executive team who declared the stock price would hit $60 before the end of 2018. Current stock price looks to be less than half of that.
#619
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Whether or not anyone needs several AA cards is irrelevant. No one needs any particular credit card. People are allowed to have more than they need of many things.
The questions should be how many cards are you allowed under AA's and Citi's T&Cs and did you get those cards by engaging in fraudulent or similar behavior.
AA may set any rules it wants. It should not be able to change those rules and enforce them retroactively.
Signing up your pets for AA accounts and using the resultant offer codes or otherwise using offer codes meant for others? AA should have at it. Signing up for business cards without a business? Not exactly a pure move. Signing up for multiple cards at a time when that was permitted (including being known by AA and Citi without either giving any indication it was an issue), then confiscating miles? That's something else.
What is AA actually doing? It's not clear to me.
The questions should be how many cards are you allowed under AA's and Citi's T&Cs and did you get those cards by engaging in fraudulent or similar behavior.
AA may set any rules it wants. It should not be able to change those rules and enforce them retroactively.
Signing up your pets for AA accounts and using the resultant offer codes or otherwise using offer codes meant for others? AA should have at it. Signing up for business cards without a business? Not exactly a pure move. Signing up for multiple cards at a time when that was permitted (including being known by AA and Citi without either giving any indication it was an issue), then confiscating miles? That's something else.
What is AA actually doing? It's not clear to me.
Any customer who needs a company to explicitly list every single form of unethical behavior for them is a customer not worth having.
I think many of the corporate shills are giving AA too much credit for being shrew. This is the same executive team who declared the stock price would hit $60 before the end of 2018. Current stock price looks to be less than half of that.
#620
Join Date: Mar 2016
Location: SAN
Programs: AA CK, Hyatt Globalist
Posts: 839
Hard to imagine any, given that the amount of miles earned through ticket purchase alone would be a huge number. Then again, I recall when Winona Ryder was arrested for shoplifting over $5000 in goods from Saks many years ago when she was at the height of her career and could easily pay for the merchandise. Nothing surprises me these days.
#622
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
#623
Join Date: Sep 2009
Location: Global
Posts: 5,998
If they are just shutting down accounts without analysis, why are we not hearing from a bunch of elites (that earned status) crying foul?
If they are just shutting down accounts without analysis, why are we not hearing from a bunch of 'innocents' crying foul?
The only people we are hearing from are people who gamed the system anywhere from a little to a lot.
Seems like they are booting exactly who they wanted to boot.
#625
In Memoriam, FlyerTalk Evangelist
Join Date: Jun 2000
Location: Benicia CA
Programs: Alaska MVP Gold 75K, AA 3.8MM, UA 1.1MM, enjoying the retired life
Posts: 31,849
I really wish these posts were accompanied by the methods the member used to apply for credit cards and how many credit cards they applied for over the last year or two. Were any of the application methods questionable (purchased codes, mailers sent to others, electronic apps where the name was changed?). Until we're down to that level of detail, it's just impossible to say whether AA is acting properly or not or whether status has any bearing at all.
#626
Join Date: Sep 2009
Location: Global
Posts: 5,998
I really wish these posts were accompanied by the methods the member used to apply for credit cards and how many credit cards they applied for over the last year or two. Were any of the application methods questionable (purchased codes, mailers sent to others, electronic apps where the name was changed?). Until we're down to that level of detail, it's just impossible to say whether AA is acting properly or not or whether status has any bearing at all.
Isn't the lack of a group of elites saying hey my account got shut down and all I did was grab a card or two in my name a possible conformation of AA getting this right?
What we do have is a lot of people saying 'hey it never said I couldn't apply for 5/67/8/9 cards in one year' / ' no one said I couldn't use someone else's codes' so I should be fine.
And I am not even saying some of them don't have a good argument, but they were not in either group I mentioned above, thus, we have some information to the criteria AA is using.
#627
In Memoriam, FlyerTalk Evangelist
Join Date: Jun 2000
Location: Benicia CA
Programs: Alaska MVP Gold 75K, AA 3.8MM, UA 1.1MM, enjoying the retired life
Posts: 31,849
Clearly there's no requirement to share that level of detail (number of apps and method of application), and I can see why most here that are impacted may not want to post that, but hard for someone not impacted, like me, to make any judgement because the facts are just not out there in public. Yes, lots of discussion about what the fine print said or didn't say, but no personal application history and what methods were used to really say that AA is to blame here. We'll just keep going in circles when evidence is not presented.
#628
Join Date: Sep 2009
Location: Global
Posts: 5,998
Clearly there's no requirement to share that level of detail (number of apps and method of application), and I can see why most here that are impacted may not want to post that, but hard for someone not impacted, like me, to make any judgement because the facts are just not out there in public. Yes, lots of discussion about what the fine print said or didn't say, but no personal application history and what methods were used to really say that AA is to blame here. We'll just keep going in circles when evidence is not presented.
Seems like a stretch.
#629
In Memoriam, FlyerTalk Evangelist
Join Date: Jun 2000
Location: Benicia CA
Programs: Alaska MVP Gold 75K, AA 3.8MM, UA 1.1MM, enjoying the retired life
Posts: 31,849
I disagree that churners, if you want to call them by that name, have been up front. If anything, they've been busy complaining about the fine print and quiet about the details of their application strategies. How many purchased those $30-50 codes, filed applications that were sent by mail to someone else, changed electronic applications and inserted their own names, or might have even been involved in the marketing of those codes? What did they do that got AA's attention?
I don't have the answer to any of those questions. Does AA? Maybe some of it. Does it factor into accounts being locked or terminated? Not enough information on this forum to make a call on that.
I don't have the answer to any of those questions. Does AA? Maybe some of it. Does it factor into accounts being locked or terminated? Not enough information on this forum to make a call on that.
#630
Join Date: Jan 2017
Posts: 805
If they are just shutting down accounts without analysis, why are we not hearing from a bunch of elites (that earned status) crying foul?
If they are just shutting down accounts without analysis, why are we not hearing from a bunch of 'innocents' crying foul?
The only people we are hearing from are people who gamed the system anywhere from a little to a lot.
Seems like they are booting exactly who they wanted to boot.
If they are just shutting down accounts without analysis, why are we not hearing from a bunch of 'innocents' crying foul?
The only people we are hearing from are people who gamed the system anywhere from a little to a lot.
Seems like they are booting exactly who they wanted to boot.