Why was my transaction declined?

If your transaction declined and you’re not sure why, check out the possible reasons below:

Inactive Chime Card

You may need to activate your Chime Credit Builder Visa® Secured Credit Card or Chime Visa Debit Card in your app. To activate your card, follow these steps:

  1. Open your Chime app
  2. Tap Activate Card on the home screen
  3. Follow the prompts

You can also call the number on the back of your card to begin the card activation process. 

Disabled Transactions

Your transactions can decline when transactions are disabled in your app. To re-enable transactions:

  1. Open your Chime app
  2. Tap Settings
  3. Turn on Allow Transactions (the button will be green when this is turned on)  

If you want to allow International Transactions, you can turn these on in your app too. 

Lost or Stolen Card

If you’ve recently reported your Chime card lost or stolen, your transactions will be declined.

If you reported your card lost or stolen: Give us a call at 1-844-244-6363 and we can reactivate it or ship you a replacement card.

Expired Card

Your Chime card may have expired. If you have another card, you can try your transaction again using that card information. If you don’t, you can order a new replacement card through your app.

Insufficient Funds

You might not have enough funds available in your Chime Checking Account to complete your transaction.

If you need to add funds to your account, you can select Move Money in the app to see different options for adding money to your Checking Account.

Exceeded Limits

Your transactions can decline when you exceed the spending or withdrawal limit on your Chime Checking Account. 

You can spend up to $2,500 per day using your Chime Visa® Debit Card, and you can withdraw up to $515 at the ATM each day (out-of-network fees may apply). 

Incorrect PIN 

If you entered your PIN incorrectly, your transactions will decline. 

If you forgot your PIN, call 1-844-244-6363 and follow the prompts to reset your PIN. You'll be asked for your card information, so be sure your card is nearby.

Incorrect CVV

 Your transaction can decline when you enter the CVV incorrectly. You can retry your transaction, just make sure to enter the correct three-digit number on the back of the card, just to the right of the signature box. 

Incorrect Expiration Date

It’s possible your transaction was declined because you entered the wrong expiration date. For your next Chime Visa® Debit Card transaction, be sure to use the expiration date listed on your current debit card.

Incorrect 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:

  1. Open your Chime app and tap Settings
  2. Select Edit next to Personal Info
  3. Tap the Address field to edit your address 

Blocked Country or Merchant

This transaction was declined because your card was used at a merchant or in a country that is not currently accepted. We’re not able to change this on our end.

Suspected Fraud

Sometimes transactions are blocked in order to protect you. This transaction may have been blocked based on the Chime Account Agreement and Chime’s internal policies.


Still need help?

If you need more info about your declined transaction(s) our Chatbot feature can help. Or you can give us a call at 1-844-244-6363 or email us at support@chime.com to get in touch with a Chime team member.

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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