Are you here in order to learn a little about facts associated with why my Chime Visa Credit Card keeps declining and what the details are all about or wondering what number to call and how to use this Chime Visa Credit Card to the best extent possible, then perfect! You have found the right article.

In this article, I’m going to give you all the Chime Visa Credit Card facts that you need to know about so that I can help you out with using your card and benefiting the most.

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Chime Card Declined Even With Money In Account

Your transactions can decline when you exceed your Chime Checking Account’s spending or withdrawal limit. You can spend up to $2,500 per day using your Chime Visa Debit Card, and you can withdraw up to $500 at the ATM each day (out-of-network fees may apply).

If your Chime card has been declined even though sufficient money is in your account, then this means your bank issuer has locked your card. Often, this will occur if you enter an incorrect PIN at an ATM too many times or you try to make a charge larger than usual. 

A declined card by your issuer or Chime Bank is mainly from not approving the transaction for frozen account status or insufficient funds or invalid expiration date or the number of your credit card.

As a security measure, you will lock your card to make sure you authorized the transaction and help prevent fraud to your account.

When your card has been declined, you will need to contact customer service support to correct the issue. To get in touch with a Chime team member, contact Chime Support at 844-244-6363.

Reasons Your Chime Visa Card Transactions May Be Declining

Inactive Chime Card

Simply activate your Chime Credit Builder Visa Secured Credit Card or Chime Visa Debit Card in your phone app. To activate your card, follow these steps:

  • Open your Chime app
  • Tap Activate Card on the home screen
  • Follow the prompts
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You can call a number on the back of your Chime Visa Secured Credit Card to begin the card activation process. 

Disabled Transactions

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

  • Open your Chime app
  • Tap Settings
  • 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. 

Incorrect Billing Address

If you entered a billing address that doesn’t match the one associated with your Chime account, your transactions could decline. To solve this:

    Open your Chime app and tap Settings

    Select Edit next to Personal Info

    Tap the Address field to edit your address 

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 $500 at the ATM each day (out-of-network fees may apply). 

Incorrect PIN 

If you enter 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.

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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 that is located on the back of your Chime credit card near 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.

Suspected Fraud

Sometimes transactions are blocked to protect you based on the Chime Account Agreement and Chime’s internal policies.

Block a Chime Transaction

If you see any use or transaction that you don’t recognize in your Chime account, then you should temporarily block your card by:

Using the Chime Mobile app 

Alternatively, you can log in to your Chime account at

then got to Settings

then turn off Chime Card Transactions

Blocked Country or Merchant

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

How to unblock my Chime card

Our member services team can activate and unblock your card. Please email with the subject “Unblock Transactions,” and Chime will prioritize your message.

If You Don’t Have Chime Account Phone App 

Log in to your Chime online account at or Open Chime App on your phone.

(If you don’t have a phone app for Chime, you can download it by clicking here.)

Contact Chime Visa Account Team Member Customer Support

To get in touch with a Chime team member.

  1. Contact Chime Support at 844-244-6363.
  2. You can also email Chime at
  3. Or log in to your Chime account at and follow the directions.
  4. Or log in to your Chime account and use the Chatbot Feature.

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