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Chime Card Disappointments
I have written a few times about Chime Card and why I thought it was an interesting product. They have been pretty agressive with their offers, which basically meant I was able to pickup free money from time to time.
Chime also allowed me to load the card with my Nationwide Buxx card, which gave me an easy way to liquidate some funds while paying bills that don’t accept credit cards. It was all working nice.
Over the past few weeks Chime has decided to make some changes that have really hurt the product in my opinion. Because of these changes, I believe I am done with Chime Card for now. I plan to liquidate my account. Here is why:
3% Fee For Nationwide Buxx
A few weeks ago Chime Card introduced their Checkbook feature which allows you to send a check to any person or company. Shortly after, Chime started insitutting a 3% fee on certain debit cards like Buxx cards. Fortunately the Nationwide Buxx cards still worked for awhile, however I logged in to find they are now charging a 3% fee.
Checkbook Really Sucks
After their Checkbook was introduced, I was happy to use some of the funds on Chime to pay a few utility bills. I quickly discovered that their Checkbook feature is not only rudimentary, but it also sucks. The account number field for example only takes numbers. My city water bill has an account number including dashes, so that won’t work.
The first time I tried to pay a bill it took five minutes to get the system to accept an account number that worked. Once it finally did, the bill pay still failed. I received an email from Chime the next day that my account number was not proper. So I took the hyphens out and paid the bill again as per their instructions. As you might guess, the check failed again. I just tried a third time. Hopefully it will go through.
No More Offers
So imagine after the added 3% fee and then all of the issues with Checkbook that Chime goes ahead and removes the one real benefit of their product. This morning Travel with Grant reported that some accounts are no longer eligible for offers.
After reading that report I logged into my Chime Card account and found that I am offerless. While I understand the need for targeted offers, taking out the one useful feature at this point leaves me no choice but to abandon Chime.
I find it interesting that my wife’s account which has pretty much been left alone since I opened it still has offers, but my much more active account no longer has them. Perhaps it is Chime’s way of politely giving me the boot. Who knows.
I understand Chime is a growing company who is trying to find a way to be profitable. While I am not happy with all of these changes, I am not going to slam the company here. I will just not use their product since it doesn’t provide any value to me any longer. How about you? Have you had any of these issues?
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