Info about Chime Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
*No minimum security deposit required, but your spending limit equals the amount that you transfer from your Chime Spending Account.
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To be eligible for the card, you will need a Chime Checking Account and to receive a payroll direct deposit of at least $200 within 365 days of applying.
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No credit check to apply.
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Turn on Safer Credit Building and your balance will be automatically paid on time, every month.
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Each month, your payments will be reported to the major credit bureaus to help you build credit over time.
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Add money from your Chime Spending Account into Credit Builder Secured account anytime.
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There is no pre-set starting credit limit for the Chime Credit Card. The credit limit for this card depends on the money you decide to move into your Credit Builder Secured account. Chime only gives a maximum credit limit for this credit card, which is $10,000.
Here's how the Chime Credit Card credit limit works:
Although the Chime Credit Card is a secured card, it doesn't require a minimum security deposit. But your spending limit equals the amount that you transfer from your Chime Spending Account to your Credit Builder Secured account.
Keep in mind that the minimum amount you can deposit to your Chime Spending Account is $200.
Ultimately, it is worth noting that Chime allows you to increase your security deposit for a higher credit line. You can move money to your Credit Builder Secured account whenever you want.
Yes, the Chime Credit Card is a secured credit card. This means that this card requires a refundable security deposit. There is no minimum amount required, but your spending limit equals the amount that you transfer from your Chime Spending Account. So, it would be best to add a...
You can change the PIN on your Chime Credit Card by calling customer service at (844) 244-6363. Just be sure to have your credit card nearby because you'll be asked for your card information.
It is worth noting that Chime Credit Card doesn't charge you interest or fees...
You cannot get a Chime Credit Card cash advance, because it's not available on this credit card yet.
Cash advances aren't a good idea, anyway. They have a high APR and charge a cash advance fee, as well as ATM fees in some cases. So my advice is to avoid...
The easiest way to check your Chime Credit Card balance is either through your online account or the Chime mobile app. Alternatively, you can check your balance by calling customer service at (844) 244-6363 or on the monthly statements Chime sends to you via email.
No, the Chime Credit Card does not do a hard pull on your credit report when you apply. As a matter of fact, the card does no credit check at all when you apply, so the specifics of your credit history will not prevent you from being approved.
Share your insights and review the Chime Credit Card
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4.6
258 reviews
258 reviews
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Jessica L Goodson @jessicadeville
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5 Star Rating
Verified Customer
I have absolutely fell in love with how fast I have been able to build my credit! It has been so easy as well with the Chime credit card!
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angelars @angelars
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2 Star Rating
Chime has some nice features but I don’t see myself using this account for very much because it’s such a hassle to log into, or get customer service from. For example, I called them because someone hacked my account and it took them nearly an hour just to correct my phone number on my account. During that time I was switched to talk with 5 different people (all with heavy accents and hard to understand) and then they needed my social security number and my address. Once I jumped through that hoop I had to send them a picture of my drivers license along with a selfie. Again, this was all - just - to change my phone number. In fact, every time you try to log into your account you not only have to use your password but you are forced to solve 3 to 5 different “puzzles”. If you answer any one of those puzzles wrong, well, then you are forced to start the entire process all over again - from the start! Then after that circus has finished they send you an authentication number to your phone which you have to send them back. This means you’re forced to have your phone on you - whenever - you log in, even if you’re using an iPad or computer to log in. Keep in mind, you’ll be forced to do all of these wonderful things even if you just want to check your account balance. Since it’s such a hassle to use this banks services, I don’t see myself using this account for very much. They advertise that it’s ‘easy’ to use their services - but they’ve obviously glossed over basic things like logging into an account.
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oneaboveall8449 @oneaboveall8449
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5 Star Rating
Verified Customer
Best credit card to build credit ever.... I recommend this card to everyone interested in fixing or building there credit..........
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Chase @hisechase
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5 Star Rating
Verified Customer
Great card for helping credit go back up. Super easy to use and hassle free highly recommend chime and have used them for years now with work or personal business
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Lisa @lgauthier1972
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1 Star Rating
Verified Customer
I Plan on closing this account... unsecured card and u have to deposit at least $200 a month into a checking account thru them to have the credit card.. also What u spend affects ur credit rating..unless u want to stock pile money without spending it, i wouldn't recommend this to anyone...takes to long and isnt immediate when transferring funds to it either...doesn't help ur rating to spend what what u put into it...useless
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Tanya @trankin81
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5 Star Rating
Verified Customer
Love it! Best Secured Credit Card there is!! Really helped me to learn how to work towards positive credit score the right way! Definitely Recommended!!!
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kimberly @kimberlym_176
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5 Star Rating
Verified Customer
I absolutely love chime ! They have helped me build my credit there easy to use! It’s excepted every where and that makes it nice and every swipe im building my credit
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amanda @pinkanella
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5 Star Rating
Verified Customer
This card is great easy to manage not all the fees and you can move money from accounts. One of the best secured cards you can get
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Liza R Bustin @lizab_5
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5 Star Rating
Verified Customer
Best credit builder card, with no load minimums, and little to no fees. Regular reporting. Chime has boosted my FICO score tremendously
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Brandi @loyaltyisroyalty144
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4 Star Rating
Verified Customer
I love chime its a great account to have. They offer credit, checking and savings account. Also get to see ur credit score an they have spot me which is over draft protection
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