How to Add and Activate a Card on Chime

Chime offers various card options, including physical Visa® Debit Cards, secured Credit Builder Cards, and virtual cards. This guide explains how to activate and manage Chime cards, covering both physical and virtual options, and troubleshooting common issues.

Activating Your Physical Chime Card

Physical Chime Visa® Debit Cards and Chime Credit Builder Cards are activated through the Chime mobile application. Ensure the app is installed and updated. After logging in, look for a prompt or “Card Status” widget on the home screen indicating your card has been delivered.

Tap the “Activate” button or navigate to “Settings,” then “Cards,” and select “Activate new card” under your specific card type. You will be asked to enter the card’s CVV number and then set a Personal Identification Number (PIN). For those unable to use the app, activation is also possible by calling Chime’s automated phone service at 1-844-244-6363, where you will verify your identity and card details.

Using Chime Virtual Cards

Chime virtual cards provide an added layer of security for online transactions, as they possess a unique card number distinct from your physical card. This digital card is accessible immediately within the Chime app, eliminating the wait for a physical card to arrive. To generate or view your virtual card details, log into the Chime app and navigate to “Profile,” then “Cards.” Here, you can tap “Manage virtual card” to display the card number, expiration date, and CVV.

This virtual card can be used for online purchases by directly inputting its details, or it can be added to mobile wallets like Apple Pay or Google Pay for in-store contactless payments. The app also allows for basic management, such as replacing the virtual card number for enhanced security or freezing and unfreezing the card to enable or disable transactions. Note that virtual cards do not require a PIN for activation and cannot be used for ATM withdrawals or cash-back transactions.

Resolving Card-Related Issues

Users may occasionally encounter issues with their Chime cards, such as activation failures or transaction declines. If a physical card fails to activate, double-check that all entered information, like the CVV and personal verification details, is accurate. Ensure your Chime mobile app is updated and that you have a stable internet connection, as technical glitches can sometimes prevent successful activation.

Transaction declines can occur for several reasons, including insufficient funds, exceeding spending limits, or if the card is frozen. You can check your account balance, review transaction limits, and manage card freeze settings directly within the Chime app. If a card is lost or stolen, immediately block it through the app’s settings to prevent unauthorized use, then request a replacement, which typically arrives within 7 to 10 business days. For persistent problems, contact Chime customer support at 1-844-244-6363 for assistance with card and account inquiries.