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Chime Q&A(39 questions)
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What's the starting credit limit for the Chime Credit Card?
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.
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.
Is the Chime Credit Card a secured card?
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 security deposit of at least $200*. And unlike other secured credit cards, with the Chime Credit Card you can use your deposit to pay for monthly charges.
Keep in mind that the Chime Credit Card can also help you build or rebuild your credit, just like an unsecured credit card. This card reports monthly to all three major credit bureaus (Experian, Equifax, and TransUnion).
How can I change the PIN on my Chime Credit Card?
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 for cash advances when you use your card at in-network ATMs. You can find the ones near you by using Chime's ATM Map. Using this card to get cash at any other ATM, though, will incur hefty fees and start accruing interest immediately.
How do I link my PayPal account to my Chime account?
You can link you PayPal account to your Chime account, just like you would connect and verify any other bank with PayPal. All you need to do is sign in to your PayPal account, and enter your Chime routing and account number.
Can I use my Chime Credit Card anywhere?
Yes, you can use your Chime Credit Card anywhere Visa is accepted.
The good news is that it comes with a 0% foreign transaction fee, which makes it an excellent companion for traveling abroad, or for shopping online.