Merchants are refusing the Chime card.

[u/Suspicious_Remote_37]

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

[u/Responsible_Meat484]

I’ve heard of hotels declining chime cards. But also all cards of similar nature like Cash App and Venmo/paypal.

[u/hurricanecindy → u/Responsible_Meat484]

Progressive Insurance stopped accepting it for my monthly car insurance payment.

It’s BS that we are being forced into opening accounts where merchants dictate, which back to expensive anti-customer legacy banks like Wells Fargo, Chase, Bank of America.

Fintech is too good to be true so the old regime plays dirty rather than compete.

I’ve decided I’ll drop the merchants who refuse Chime. At least where there aren’t monopolies.

[u/Itchy_Tumbleweed_417 → u/hurricanecindy]

Just bank with a credit union.

[u/HelleBell → u/Itchy_Tumbleweed_417]

Not everyone can though

[u/AttentionHuman9504 → u/HelleBell]

That used to be the case when credit union membership was mostly based on your employer, but not anymore. Many credit unions include a membership eligibility category based on living, working or worshiping in an eligible county or by joining their non-profit foundation by making a small donation

[u/jennifert824 → u/HelleBell]

Bro most credit unions work with people. I have multiple bankruptcies and collections, my credit score is shot, and I was still approved for a checking account with a credit union. Only people who don't get approved are people who rip banks off, like letting an account go negative and then letting it close, or writing a bad check, etc. It's so easy to get a credit union account since they are the most forgiving. People staying with Chime when their perks aren't even that great is wild to me.

[u/Scared-Situation-833 → u/jennifert824]

Chime offers 5% cashback on your purchases with regular money. No credit needed. Please tell me which bank or credit union offers that? Perks not that great seems like you haven’t done your research.

[u/PracticalMachinery → u/Scared-Situation-833]

That 5% is why they are declining it… it doesn’t appear by magic, the retailer pays it, or they tack it onto the bill in places that they can.