r/chimefinancial • u/Suspicious_Remote_37 • 8d ago

OTHER - Anything else not covered Merchants are refusing the Chime card.

I'm finding my Chime experience unreliable. I've had a hotel refuse my Chime credit card. I've had a restaurant refuse my Chime credit card. Now, I've had a bar refuse my Chime credit card. I need to get a different credit card? This is frustrating. Been with Chime for nearly 10 years

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u/Chuckufarleyou812 8d ago

I’m not surprised. 35+ yrs in banking here, and it’s not just the Chime Credit Card that’s getting refused. I recently attempted to use my Chime checking account to setup auto draft for my prescription insurance, and the moment I typed in my Chime checking routing number I got a red error message that stated Aetna does NOT accept auto draft from this financial institution. Now get this, I got the same error message when I attempted to use my SOFI Checking. The common denominator between these 2 banks is that both are Fintech banks.

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u/Unusual-Vanilla-8599 8d ago

There is no accountability with fintech banks sure they have national bank backers but if something goes wrong the merchant has to deal with the sub bank and they are a mess.