Chime offers a great banking option that is low on fees and has some wonderful perks. One of the features that many people really like is the Chime temporary card. It can be convenient for use when shopping online, but what happens when the card is unavailable or you want to use it in a real store?
The temporary card from Chime may be unavailable if you have reached your daily limit, have the international purchase feature turned off, or if your account has been blocked by Chime. You can use it in-store through a digital wallet like Apple Pay or Google Pay. You cannot use it at the ATM.
For more information on the Chime card, here is everything you need to know!
Chime Temporary Card Unavailable
It can be quite a frustrating experience when you attempt to you use your Chime temporary card only to find that the service is unavailable. This can hinder you from making new purchases and can put you in a real financial bind. What is the reason behind why your card is listed as temporarily unavailable?
The first reason you may not be able to access your Chime card is that you have reached your daily spending limit. Chime specifies that you cannot spend more than $2,500 per day on your card, even if you have more money than this available in your account. Once you spend the daily limit, all other transactions will be automatically declined.
If you are trying to make an international purchase, your card may be temporarily unavailable if you have this feature disabled. The transaction will be declined if the international transaction feature is turned off. You will need to open the app and turn it on if you wish to continue making this purchase.
The last reason your Chime temporary card may be unavailable is if your account was blocked. You can test to see whether this has happened to you by making a small transaction with your debit card or transferring a small amount of money to your account. When these two transactions fail to process, it is a sign that your account is blocked.
To find out why your account has been blocked, you will need to reach out to customer service at (844) 244-6363.
How to Use Chime Temporary Card in Store
If you have a Chime temporary card, then you are lacking a physical card to swipe at the register. Many people are confused about how they can actually access their funds when they want to go to the grocery store or make a small purchase at a retail outlet. How can you use your Chime temporary card in store?
Making an online purchase is easy because you can manually enter all of the card details into the website you are purchasing. It is a bit more complicated to use your card in-store though. First, you will need a digital wallet that is accepted at the store you are looking to shop at. This might mean Apple Pay, Google Pay, or Samsung Pay.
Before you head out to the store, add the card details to your digital wallet. This can take a few minutes, so it isn’t something you want to do at the register.
If you want to learn more about the time it take to make Mobile Check Deposits to chime and how to make it instant, read this.
Then, once your purchase is ready, swipe your phone at the terminal and pay directly with your Chime temporary card.
The only time this does not work is if you are shopping at a retailer that does not allow you to use digital wallets. For example, some smaller chains or mom-and-pop stores may not have this capability. If not, you can ask them if they can manually enter the card. However, many places do not allow for this type of transaction.
For more information on how to use Chime without your card, we have another complete guide you will want to read!
Chime Temporary Card Limit
You may have thousands of dollars stashed away in your Chime checking account, but how much of it can you really spend each day? Like many banks, Chime puts some daily limits on your account. This is to help protect you from fraud and keep your money safe. It may be a real hassle, but you cannot make too many large purchases on your card each day.
The daily limit for what you can spend on your card is just $2,500.
However, you can make as many transactions as you want each day as long as you spend less than $2,500 per day.
Your limits will reset at midnight on Mountain Time each day. Be sure to keep tabs on this if you are in a hurry to make another purchase!
Chime Temporary Card ATM
Do you want to use your Chime temporary card to pull cash out of the ATM? If you frequently require cash, then you might have a problem. As of right now, there are no cardless ATMs available for Chime. You must have a physical debit card in order to use the ATM and withdraw funds from your Chime account.
For those who need to access their cash, then you might need to do a bank transfer. This allows you to shift the money from one account to another, preferably one that you have a physical debit card for. Keep in mind that these transfers may not be instant. You will need to plan ahead if this is something you will need to do.
If you need to make a bank transfer, here are the steps you will need to follow:
- Open up the Chime app on your phone and head to the Move Money section.
- Select Transfers.
- Follow the prompts to transfer money from one account to another.
While it may not be a perfect solution, it is one of the only workarounds for accessing cash at the ATM.
Using Your Chime Temporary Card
If you have a Chime temporary card, you need to know how to use it effectively to access your hard-earned cash. Fortunately, you can use it in-store with a digital wallet, but you might have a harder time if you want cash from the ATM. Be sure to keep these guidelines in mind when spending money on your card!
Remember that you cannot load your temporary chime card!
If you need to get a loan that works with chime, follow the link to learn more.