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What is the Chime Credit Card?
The Chime Credit Card is a reloadable, prepaid Visa card that can be used anywhere Visa is accepted. The card is issued by either The Bancorp Bank or Stride Bank, N.A., and there are no credit checks required to get one. You can load money onto the card through direct deposit, mobile check deposit, or by making a bank transfer from another account. Once the money is loaded, you can use the card to make purchases or withdraw cash from ATMs. There are no monthly fees or overdraft fees associated with the Chime Credit Card, but there is a $2.50 fee for ATM withdrawals and a 3% foreign transaction fee for purchases made outside of the United States.
How Does the Chime Credit Card Work?
Chime is a financial technology company that offers a mobile-first banking experience with no fees. Chime has a banking partnership with The Bancorp Bank and Stride Bank, N.A., shame’s Member FDIC.
The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
The Chime Visa® Credit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted
What are the Benefits of the Chime Credit Card?
The Chime Credit Card offers a number of benefits for cardholders. These benefits include cash back rewards, no annual fee, and a 0% APR introductory rate on purchases and balance transfers. The card also features a number of other perks, such as no foreign transaction fees, fraud protection, and identity theft protection.
How to Use the Chime Credit Card?
The Chime credit card is a Mastercard that allows you to make purchases anywhere Mastercard is accepted. You can also use your card to withdraw cash from ATM machines. In order to use your card, you will need to have a Chime bank account. If you do not have a Chime account, you can sign up for one online or by visiting a Chime bank branch.
When you use your Chime credit card, the money for your purchase will be deducted from your Chime account balance. If you do not have enough money in your account to cover the cost of your purchase, you will need to either add money to your account or use a different form of payment. You can add money to your Chime account using direct deposit, transfers from another bank account, or by mobile check deposit.
If you decide to use your Chime credit card for cash withdrawals, be aware that there is a fee of $2.50 per withdrawal. This fee will be deducted from the amount of cash you withdraw. For example, if you withdrawal $100 from an ATM machine, $97.50 will be deposited into your Chime account and the other $2.50 will go towards the fee.
Chime Credit Card Fees
Chime Credit Card has no fees whatsoever. You will never be charged an annual fee, a late payment fee, a foreign transaction fee, or any other type of fee for using the Chime Credit Card.
Chime Credit Card Customer Service
If you experience any problems with your Chime Credit Card, please call our customer service line at 1-855-513-5138. Our customer service representatives are available Monday through Friday from 8:00 a.m. to 8:00 p.m. EST.
Chime Credit Card Review
Chime is a banking app that offers a steal of a deal on its credit card. Offerings include no fees whatsoever — not even foreign transaction fees — and a $200 cash back bonus (if you spend $500 in the first 90 days of opening the account). Also, there are no annual or late fees. You’ll get 1% cash back on all purchases, and your cash back rewards won’t expire. As an added bonus, there’s no minimum redemption amount — so you can cash out your rewards at any time.
If you’re looking for a simple and straightforward way to start building credit, the Chime Credit Card is a great option. However, keep in mind that this card doesn’t offer any rewards beyond cash back, so if you’re looking for travel perks or other benefits, you’ll need to look elsewhere.