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Here are some possible reasons why your transaction declined: To activate your card, follow these steps in your chime app: Go to the home screen. Tap activate card on the home. You can activate your chime credit builder secured visa the same way you activate your chime debit card. Simply call customer service, use the app, or log in to your. I think chime is down or having trouble system wide. I can't compete transactions or use half the tools in the app. Activating your chime card using the chime app is a convenient method. Download and open the chime app on your smartphone. Login into your chime.