Essential Insights Before Applying

The Chime Visa is a secured credit card designed to help you: establish a credit history, spend with confidence, and ensure your security!

Chime stands out among digital banks, heavily investing in technology to disrupt traditional banking norms.

The Chime Visa functions as a secured credit card and a credit builder, requiring you to provide a security deposit.

The deposit amount isn’t fixed and can range significantly, reaching up to a maximum of $10,000, depending on your financial situation.

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

Throughout the months, you should pay your bill. If you stay on top of your payments, your deposit remains untouched.

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

However, if you consistently pay on time, you’ll retain your card without any problems. Timely payments are crucial for credit history.

Timely payments are viewed positively by credit agencies, which can enhance your credit score significantly.

Your card activity is reported to major credit bureaus: TransUnion, Equifax, and Experian. Each transaction boosts your card’s usage and improves your credit history.

This positively impacts not only your ability to obtain other credit cards but also affects any purchases that consider your credit score.

Who is Eligible to Apply?

Chime provides more advantageous terms compared to typical credit cards that many are accustomed to.

This indicates that your credit score won’t undergo an extensive check when applying for the card. 

With Chime, that’s not a concern. To obtain your secured credit card, you must be a Chime customer with an active account. 

To gain access to the card, you need to have an account and a direct deposit of at least $200. 

How Can I Apply for the Chime Card?

To obtain your credit card, you first need to determine if you’re already a Chime customer. 

No matter your situation, you can click the “Sign Up Now” button to begin the process of getting your Chime Visa. 
If you’re not yet a customer, you can start by providing: 

• Name and email 

Next, you will be asked to provide your date of birth, as you need to be at least 18 years old to join Chime. 

Following that, you’ll need to submit your phone number along with your complete address, ZIP code, city, and state. 

During registration, you might also have to provide details regarding your job and income. 

Once you’re a Chime customer, you can request your secured card by following the application steps. 

And if you are currently a Chime customer, you can log in through the bank’s official channels and request your card. 

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

If you have any inquiries, you can always count on customer service via Chime’s support channels.

Additional Insights

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

Across the globe, using the Chime card is just like using a regular credit card—you can shop, pay contactless, and enjoy a seamless checkout experience. 

As a Visa cardholder, you get transaction notifications. If a charge seems unfamiliar, you’re safeguarded by SpotMe for transactions up to $200 as well as by Fraud Protection. 

Interested in another option?

The Wells Fargo Reflect is tailored for individuals with a solid credit history, featuring no fees whatsoever.

This card comes with a credit limit starting at $1,000, special discounts, and protection for your cell phone. Check out how to apply.