Chime Metal Card Review
Are you here in order to learn a little about facts associated with the Chime Metal Debit Card and what the details are all about or wondering what number to call and how to use this Limited Edition Chime Metal Visa Card to the best extent possible, then perfect! You have found the right article.
In this article, I’m going to give you all the Chime Metal Card facts that you need to know about so that I can help you out with using your card and benefiting the most.
Quick Navigation Article Links
- What Is Chime
- About Chime
- Chime Credit Builder Card
- How to get Chime Limited Edition Metal Card
- Steps to Become Member and Sign Up
- Open Chime Debit Card Account
- Chime Phone App
- Deposit Cash at Green Dot Locations
- Chime Customer Support
What Is Chime
Chime was founded by two entrepreneurs, Chris Britt (CEO) and Ryan King (CTO), in 2013 in San Francisco. Chime is not a bank but instead a financial technology company. The Bancorp Bank or Stride Bank provides the banking services and issues the Chime Debit Visa Card, and stride Bank is the Bank that issues the Chime Credit Builder Card.
The Chime company doesn’t operate from any fees concerning minimum balance fees or overdrafts, consumer fees, monthly service fees, and means operating not as traditional banks typically operate which saves their members money.
Regional banks have partnered with Chime to help lower costs for Americans that have not been served very well by traditional banks, thus creating a more competitive market.
- Your money is safe with Chime with Security Features
- Overdraft Protection up to $200 that is fee-free
- Your account is paid up to 2 days early with a direct deposit
- No hidden fees
Chime is one of the top neo banks with millions of customers. A neo bank is a type of Bank that does not have its own physical location. Instead of spending money to maintain their own physical branches, Chime invests that money into building the best online banking platform.
Chime has developed a reputation for valuing its customers and putting their needs first.
Banking Services for the Chime Visa Debit Card are provided by The Bancorp Bank or The Stride Bank, N.A.; both are Members of the FDIC.
The Bancorp Bank is the Bank that issues the Chime Visa Debit Card.
The Chime company doesn’t have to rely on fees concerning minimum balance fees, monthly service, overdrafts, or other consumer fees to operate. Thus appealing to many consumers.
In 2018 Chime had 1M customers, and in 2019 it grew to 4M users.
In December 2019, the company had 6.5M accounts.
Most banks make it hard to open an account if you have marks in ChexSystem. Especially if you had a pattern of bad habits or marks on your credit history, these bad marks could affect your finances. At Chime, a second chance is banking for you since Chime does not check you in ChexSystem.
The Chime Credit Builder Card
Many people have made a great choice to open a Chime Credit Builder Card account because they are trying to establish good credit or the people who have had their credit previously damaged and wish to build and establish a better credit score again.
Since the Visa card from Chimes Credit Builder account is a low-cost option, it has helped many to build their credit profile once again. A benefit of this card account comes with no annual interest charged or any annual fees.
In order to apply for the Chime Credit Builder Visa card you will need to first open a Chime spending account and will be described later in this article with help how to do so.
An additional security deposit is required to get the same credit limit for your new Chime Credit Builder Visa card.
The Chime Credit Builder Visa Secured Card has no annual interest charges, fees, or minimum security deposit, making the card one of the most affordable options in its class.
Traditional secured cards keep your security deposit until you close the account. With your Chime security deposit, you can actually use this deposit to help pay your balance at the end of each one of your monthly billing cycles.
In other words, if you have for example, $300 in your Credit Builder Card Account and you use $200 to pay your Chime Credit Builder Card, then you would still have a credit limit of $100 for the next month unless of course, you add more money to your Chime Credit Builder Account.
However, that does not mean that it is a solution across the board. It is important to carefully review the details before signing on to decide if a Chime credit card is good for your financial situation.
However, suppose you are normally short on cash to continually build up your deposit into your Chime Credit Builder account from month to month. In that case, a more traditional option that’s secured might be a better account for you.
- There are no interest charges.
- There are no annual fees.
- There are no foreign transaction fees.
- There is no minimum security deposit that is required.
- There is no credit check to apply for the card account.
- When you turn on Safer Credit Building, then your balance will be automatically paid on time every month.
- The major credit bureaus and credit scores will continuously be updated to build your credit as on-time payments.
- APR: N/A
No matter what you charge on your Chime Credit Builder Account Card, whether you are buying groceries or gas, your everyday purchases can now count toward building your credit.
- First, You will need to open a direct deposit account with Chime.
- Your deposit in your card account will be the limit of your account, no amount higher than the amount of your deposit.
- There is no additional option for you to graduate to an unsecured card
- There are no branches for in-person service.
- There have been recent customer complaints regarding access to Chime accounts and funds.
Annual Fee: $0
Foreign Transaction Fee: 0%
Balance Transfer Fees: N/A
Cash Advance Fee: N/A
About Chime Metal Credit Builder Card
The Chime Metal Credit Builder Card is a unique financial product that allows you to build your credit without ever taking on debt. The features and benefits of using any credit or debit card product for that matter are definitely the most important factor.
If you are anything like me, you might care about what your card looks like for whatever reason.
So i just want to let you know what this card actually is and how does it really work well, and then talk about how you can get this limited edition metal time credit builder Hard so that you can flex on your friends and build your credit union process all right?
Essentially the Chime Metal Credit Builder card allows you to move money from your regular Chime spending accounts to your new metal credit builder card.
When you spend money using your Chime metal credit builder card, it will be reported as an on-time payment to the credit bureaus and ultimately help build your overall credit score.
The easiest way to further explain this about the credit bureau score is that its basically a Prepaid credit card Which means you transfer money beforehand And then just spend money like you would with a regular Debit card.
I’m fully aware that the material that a card is made out of and how it looks should normally not mean absolutely anything, and I think that most of us can agree. But there is a sense that is appreciated when you use a card that looks so amazing, and maybe you also probably care about what your credit or debit cards look like for whatever reason.
There is absolutely nothing wrong with a feeling like that, and actually, if something as simple as a metal credit card can get you excited about building your credit score in personal finance in general again, then personally, I think it’s a beautiful thing.
How To Get The Limited Edition Chime Metal Card
Let me now explain how to get this Limited Edition Chime Metal Credit Builder card. Go to Chimes website to apply and see that there is actually an entire page detailing all that is needed for you to know about this product and, more importantly, how you can get it.
On the Chime Metal Site You can see that this card has that metallic emerald green finish and of course, The premium metal feel and weight That we all the so if you had a card, Why the apple credit card or one of the Higher and American express cards This one is probably going to be very similar to that as far as looks and feel are concerned.
To qualify for this limited edition metal credit builder card from Chime is a bit difficult but also makes it a bit special, so here are the steps:
Steps to Become Member/Sign up for Chime Credit Builder Card
So if you have not yet signed up for a regular Chime Account, which is basically a checking account, then once you’ve opened that product, you want to go ahead and Sign up for the credit builder card, which is basically an extension of your chime spending account.
The chime spending account will then be the product that allows you to build credits without ever taking on any debt.
To recap, at this point, you have the Chime spending debit card, which is the white plastic card, and you also have the Chime credit builder card, which is the green plastic card that is essentially a prepaid credit card.
NEXT STEP Challenge to get the Chime metal version of the credit builder card, you have to complete what they call the metal card challenge. The challenge involves making 40 qualified purchases within 60 days of receiving an invite to this limited card edition.
40 transactions and 60 days probably sounds like a lot, and to have to spend 40 transactions and 60 days for small purchases that you do not need just to get this metal credit card seems absolutely ridiculous.
Spending money irresponsibly just to get a premium card honestly defeats the whole purpose of getting this product that is first and foremost appealing to improve your personal finances and hopefully help fix some of those bad spending habits.
With that being said, really any transaction that is at least $1 using your credit builder card could actually just be something as simple as a cup of coffee with a limit to five of these qualifying transactions per day.
Even at that rate you would complete 40 transactions in only 8 days but remember you do have 60 days to complete the 40 transactions. The bottom line is it’s pretty easy to hit that 40 transaction requirement.
Important to Remember
Remember that all 40 transactions must be made on your Chime credit builder card in order for them to count, so just make sure you’re using that Chime credit builder card, not the regular chime debit card.
The second thing is that you need to be invited to this metal card challenge via email, so there’s not a whole lot of information online as to how to get invited but just as a regular credit builder customer. You should get an email basically right when you sign up, so at least from what I have found that it sounds like everyone will have this option to sign up for this challenge.
Steps to get the Limited Edition Metal Chime Credit Builder Card
- Open a Chime Account
- Apply for the Credit Builder Card
- Make 40 qualifying transactions on your credit builder card within 60 days of receiving your email invite
By making all of these 40 transactions on your Chime credit builder card will mean they all count as an on-time payment made by the credit bureaus, which is really good for your credit score and credit history.
Open a Chime Debit Card Account
If you don’t have a Chime Debit Card Account and wish to do so, simply click this link to apply at https://trufinancials.com/chime
Only a few questions are needed to sign up or register for your new Chime Credit Builder Card. You don’t need any initial deposit to open your account. No initial deposit saves many low-income families troubles, and with 6M customers, it’s not a coincidence.
At Chime, a checking account has another name – a spending account.
The spending account is like a checking account, except there is no physical checkbook. Instead, the Chime checkbook is a virtual checkbook.
It is $5 per check and $10k limit per month to write a virtual check that Chime mails on your behalf.
To apply for a Chime Credit Builder, you first need to have a Chime Spending Account and will need to have made a qualifying direct deport of $200.00 or more within the last year.
A get-paid early feature is what Chime promotes many times. The feature of “get paid early” allows you to have access to your paycheck up to 2 days early than any traditional bank. This really helps if you live paycheck to paycheck. You must have an emergency fund to have the 2 days early feature.
Chime Accounts can auto-transfer a portion of your money to a savings account that you have so you will have an emergency fund. Chime provides 0.01% on the savings account, which is much lower than other banks, but this account’s benefits outweigh this small percentage as not being the main objective to build credit and save on fees.
Mobile payments is another feature when your family and friends also use Chime Spending Accounts. This allows you to transfer money to family and friends accounts in a peer-to-peer system with a limit of $2k.
Chime is a Visa Debit Card with an EMV chip for added security and can be used at Visa Plus Alliance ATMs and at over 38k MoneyPass locations that are fee-free.
Chime has two automatic savings options. When you use the Visa Debit Card, your purchase can be rounded up to the nearest dollar, and the change will go to the savings account. You will not save a fortune this way, but it is better than nothing. You can save when you get paid.
This will help you to signup for a regular Chime Account, which is basically a checking account; then once you’ve opened that product, you want to go ahead and Sign up for the credit builder card, which is basically an extension of your chime spending account.
The chime spending account will then be the product that allows you to build credits without ever taking on any debt.
Phone App Adding another Card Account To Your Chime Account
- Log in to your Chime online account at www.chime.com or Open Chime App on your phone.
(If you don’t have a phone app for Chime, you can download it by clicking here.)
2. Click Move Money (the bottom icon on your phone app.)
You will see a couple of options such as:
- Direct Deposit
- Depositing a check
- Depositing cash at an ATM (Automated Teller Machine)
- Transferring from another Bank Account or Card Account.
3. Click Transfers
The app will say add money from an external account, and at the bottom of the app, you can see it says link your external account.
Chime uses Plaid to link your Bank details and is secure. Plaid is a large company that allows you to connect your banks instantaneously, so you don’t have to worry about details.
There will automatically be a list of the most popular Banks to choose from, or you can type in the Bank that you wish to utilize.
- Enter the login credentials for your other Card or Bank accounts, such as email and password.
- Plaid will then verify your information.
- Then choose the account you want to have set up.
(The Card account you have will then be instantly linked to your Chime Visa Debit Account.)
This will allow you to then be able to transfer money into your Chime Visa Debit Account.
After you have linked your other card account with your Chime spending account, you can then use the Chime app, so you are able to make money transfers from your different card account to your Chime Spending Account, with the
There is a maximum of $10,000 for each calendar day.
There is a maximum of $25,000 for each calendar month.
Normally your funds will then be available within (5) business days.
Deposit Cash to Your Chime Card at Green Dot Locations
Have you ever wondered how to deposit Cash money to a Chime Debit Card? For example, a green dot location can be found at your local 7-Eleven or over 90,000 retail locations like Walmart or Walgreens. If you Google a green dot location, you can find the nearest available outlet nearest you.
Stores that accept Chime card deposits:
- Dollar General
- Family Dollar
- Duane Reade
- TA Operating LLC (TravelCenters of America)
- Royal Farms
- Cumberland Farms Corp
- Kwik Trip Inc
- Krause Gentle (Kum & Go)
- Rite Aid
- Pilot Travel Centers (Pilot Flying J)
- Holiday Station Stores
- Circle K Stores
- GPM Investments
- Sheetz Incorp
- You are allowed to make up to 3 Deposits every 24 hours to your Chime Visa Debit Card Account.
- The total you can deposit is up to $1,000 every 24 hours
- The total deposit is a maximum of $10,000 every month.
- There is up to a $5 fee per deposit.
When you arrive at a retail store, simply:
- Go to the cashier and state your purpose to the cashier.
- The cashier will ask for your Chime Debit Card and swipe the card.
- The cashier will collect the desired amount of money you wish to deposit plus a $5 fee.
- The cashier will of course, then give you a receipt showing your transaction.
You will then also receive a notification from your Chime Debit Card account in approximately 5 mins.
Contact Chime Visa Debit Card Account Customer Support
If you are having trouble using or depositing money onto your Chime card,
then contact Chime Support at 844-244-6363.
You can also email Chime at email@example.com.
Previously, Chime has received comments and reviews from customers complaining about their customer service. Customers also complained about the very long wait times.