There are several reasons why your transaction may have been declined:
Card isn't active
Refer to How do I activate my card?
Transactions are disabled
Card is closed (lost, stolen, or expired)
If you reported your card as lost or stolen, it will be deactivated and any transactions will decline. If your card is close to expiring, we’ll send you a new one a few weeks in advance. Until your new card arrives, you can make purchases and pay bills with your virtual card. Learn more about it in What is Chime’s Virtual Card?
Account doesn't have enough money
To add money, go to Move.
Limits are exceeded
Transactions can decline if you exceed the spending or withdrawal limit on your Checking Account, or the available-to-spend limit in your Credit Builder or Chime Card account. See What are my account limits?
Wrong PIN
If you forgot your PIN, you can reset it. Visit How do I set or change my PIN?
Wrong CVV code
Double-check the three-digit code on the back of your card (next to the signature box) and try again.
Wrong expiration date
Make sure you’re using the expiration date from your current card.
Wrong billing address
If the billing address doesn’t match your Chime account, the transaction may decline. See How do I update my address?
Alternatively, verify the address you entered during checkout matches your Chime account.
Country is blocked
Chime cards don’t work in certain countries. This can’t be changed.
Issue with the merchant
The issue may be with the merchant’s system. Try a different method (swipe, chip, or manual entry) if contactless doesn’t work.