Discover the Steps to Apply for the Chime Card Credit Builder

The Chime Card acts as a credit builder, effectively helping you establish your credit history while allowing you to make worthwhile purchases at any location that accepts Visa.

Essential Information Before You Apply

The Chime Visa serves as a secured credit card, perfect for helping you establish credit history, spend confidently, and feel secure!

Chime stands out as a leading digital bank, significantly investing in technology for maximum disruption.

The Chime Visa is not just a secured credit card; it doubles as a credit builder. Remember, the secured card requires a security deposit.

Chime doesn’t set a fixed amount; it varies based on your financial situation, with a cap of $10,000. Make sense?

With your credit deposit, you get an equivalent amount to spend. For example, a $1,000 deposit gives you a $1,000 credit limit.

As months go by, you’ll settle your bills. If you manage to pay everything correctly, your deposit stays safe.

Your deposit is only tapped if you miss a payment and fail to clear the bill, leading to card cancellation and using the deposit to cover the debt.

On the bright side, if you stay punctual with your payments, you can keep the card without any issues. Timely payments are key to building a solid credit history.

This is crucial, as credit agencies recognize your timely payments, which boosts your credit score significantly.

The card reports to all three major credit bureaus: TransUnion, Equifax, and Experian. Each purchase helps you build card usage and strengthen your credit history.

This can significantly impact not only acquiring other credit cards but also any purchase that factors in your credit score.

Who is Eligible to Apply?

Chime provides more advantageous terms compared to traditional credit cards that many are familiar with.

This indicates that a detailed credit evaluation won’t be necessary to either approve or deny your card application.

With Chime, this isn’t the case. To obtain your secured credit card, you must be a customer of Chime with an active account at the bank.

To qualify for the card, you need both an account and a direct deposit of at least $200.

How Can I Apply for the Chime Card?

To access your credit card, you first need to confirm if you’re a current Chime customer.

In either scenario, just hit the “Sign Up Now” button to kick off your application for the Chime Visa.
If you don’t have an account, you’ll start by submitting:

Name and email

Next, you’ll have to enter your date of birth, as you need to be at least 18 years old to sign up with Chime.

Then, you’ll need to provide a phone number along with your complete address, ZIP code, city, and state.

During the sign-up process, you might also need to share details about your job and income.

Once you’re a Chime customer, you can proceed to request your secured card by following the necessary steps to apply.

And if you’re already a current Chime customer, just log in through the bank’s official channels to request your card.

It’s important to note that you can hold an account without applying for the secured credit card, as Chime also provides a debit card option.

If you have any inquiries, feel free to reach out to Chime’s customer service via their support channels.

Additional Information

The Chime card functions as a Visa card, recognized globally, not just in the U.S.

When shopping worldwide, the Chime card behaves just like any other credit card—you can shop, tap to pay, and enjoy a seamless experience at checkout.

As a Visa cardholder, you’re notified about transactions. If a charge seems unfamiliar, SpotMe covers you for up to $200, along with Fraud Protection to keep you safe.