Here are some possible reasons why your transaction declined:
Card isn't active
To activate your card, follow these steps in your Chime app:
- Go to the Home screen.
- Tap Activate Card on the home screen.
- Follow the prompts.
If you cannot activate it, call us at (844) 244-6363.
Transactions are disabled
Re-enable regular or international transactions by following the steps in How can I enable or disable transactions on my card?
Card is closed (lost, stolen, or expired)
If you reported your card lost or stolen and requested a new card, your transactions will be declined. If your card's expiration date is approaching, we'll send you a new one a few weeks in advance.
Until your new card arrives, you can make purchases and pay bills online with your virtual card. Learn more about it in What is Chime’s Virtual Card?
Account doesn't have enough money
If you need to add money to your Checking Account or Credit Builder secured account, open your app and tap Move Money.
Limits are exceeded
Your transactions can decline when you exceed the spending or withdrawal limit on your Checking Account, or the available-to-spend limit in your Credit Builder secured account.
To view your spending, withdrawal, and transfer limits in your app:
- Go to Settings.
- Tap Account info.
- Tap View limits.
Wrong PIN
If you forgot your PIN, you set a new one in the app:
- Go to Settings.
- Scroll down to select Change your PIN.
- Enter the new PIN.
Or you can call 1-844-244-6363 and follow the prompts to reset your PIN. Be sure to have your card on hand.
Wrong CVV code
You can retry your transaction, just make sure to enter the correct three-digit number on the back of the card, to the right of the signature box.
Wrong expiration date
For your next transaction, be sure to use the expiration date listed on your current card.
Wrong billing address
If you entered a billing address that doesn't match the one associated with your Chime account, your transactions can decline. To solve this in your app:
To view or update your address in your Chime app:
- Go to Settings.
- Tap Personal info.
- Find your address under Home. If you need to update it, tap the icon on the right.
Alternatively, make sure the address you entered while making the transaction matches your Chime account address.
Country is blocked
There are certain countries where Chime cards don't work. We can't change this on our end.
Issue with the merchant
Sometimes merchants or their payment systems may have unexpected errors. If this happens, try another method of running the card (e.g., swiping or inserting the chip rather than using contactless/tap to pay), or have the merchant enter your card details manually.
Still need help?
If you still need help, contact us.