Discover the Steps to Apply for the Chime Card Credit Builder

The Chime Card serves as an excellent tool for enhancing your credit history, allowing you to make worthwhile purchases at any location that accepts Visa.

Essential Insights Before You Apply

The Chime Visa serves as a secured credit card designed to help you: establish your credit history, spend confidently, and experience security!

Chime is a leading player in the realm of digital banking, making significant investments in technology to disrupt the industry.

The Chime Visa is a secured credit card that doubles as a credit builder, requiring a security deposit to use.

Chime does not fix a specific amount for your credit limit; it can vary, reaching up to $10,000 based on your financial situation.

Your credit limit mirrors your deposit. For instance, a $1,000 deposit grants you a $1,000 credit limit.

As you continue to pay your bills monthly, your deposit remains untouched as long as you stay on track.

Your deposit only comes into play if you miss a payment, leading to card cancellation and using the deposit to cover the owed amount.

As long as you make timely payments, you’ll keep your card without issues. Staying punctual is key to building your credit history.

Timely payments are noted by credit agencies, which is beneficial and helps boost your credit score.

Your card activity is reported to the three major credit bureaus: TransUnion, Equifax, and Experian, enhancing your credit history with each purchase.

This has a significant impact, aiding not just in acquiring other credit cards but also in any purchase that considers your credit score.

Who is Eligible to Apply?

Chime provides more advantageous terms compared to a standard credit card that most people are familiar with.

This indicates that there won’t be an extensive credit evaluation on your score to either approve or reject the card.

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

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

How Can I Apply for the Chime Card?

To obtain the credit card, you need to confirm whether you are currently a Chime customer.

In either case, you can hit the “Sign Up Now” button to kick off the process of getting your Chime Visa.
If you don’t have an account, you can start by providing:

Name and email

Next, you’ll need to share your date of birth because you must be at least 18 years old to join Chime.

The following step requires you to provide a phone number along with your full address, ZIP code, city, and state.

During the account setup, you may also need to supply extra information regarding your job and income.

Once you become a Chime customer, you can apply for your secured card by completing all the necessary steps.

And if you’re already a Chime customer, you can log into your account via the bank’s official channels and request the card.

Keep in mind, you can have an account without applying for the secured credit card, as Chime also provides a debit card option.

If you have any questions, feel free to reach out to Chime’s customer support.

Additional Information

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

Across the globe, the Chime card functions like any standard credit card—you can shop, pay contactless, and handle your transactions seamlessly at checkout.

As a Visa cardholder, you get transaction notifications. Plus, if a transaction seems unfamiliar, SpotMe covers you for amounts up to $200, along with Fraud Protection.