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How Can You Get Around Without A Credit Card?

Divvy Bikes in Chicago.

Divvy Bikes in Chicago.

By Micheline Maynard

Unless they were lucky enough to get a gift certificate, pretty much everybody who has joined Citi Bike, ZipCar or Uber has something in common: a credit card.

But what if you want to get around, and you don’t have a credit card?

That’s a topic of active discussion in Chicago, where one in nine residents don’t have bank accounts, according to research reported this week by Streetsblog Chicago.

According to researcher Michael Carney at the University of Illinois at Chicago‚Äôs College of Urban Planning and Public Affairs, that translates to at least 135,000 people and perhaps more than twice as many people. In some parts of Chicago, one-third of area residents do not have bank accounts, but get by relying on cash or debit-style cards that aren’t linked to bank accounts.

One of the biggest reasons bike share and other transportation programs ask for credit cards is to offset the risk of damage to bikes or vehicles, or even the theft of the equipment. A rider, driver or consumer without a credit card can’t be billed if the information isn’t available.

The Chicago Department of Transportation, which runs Divvy Bikes, the city’s bike sharing system, is determined to get “unbanked” Chicagoans on bikes. It’s been looking at ways that it can make Divvy accessible to more people. Continue reading

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