How to apply for Chime Credit card application? [Card Benefits]

Chime is not a bank but a fintech company offering credit solutions to its customers. In an attempt to solve the credit issues of customers, they offer a credit card that requires no credit check, has no interests to pay, and requires no minimum-security deposits.

The Chime’s credit card will allow you to allocate a certain amount of funds. You can spend as much as you set aside.

However, credit card does not come with offers, rewards, and benefits. You cannot even upgrade the credit card in any way.

It works as a reloadable prepaid debit card. But on the other hand, it reports your credit scores to the important credit bureaus.

Some of the key features that must be known before applying for it includes;

Notable Credit Card FeaturesChime credit card
Annual Fees$0
Purchase APRNA
Balance Transfer APRNA
Minimum credit limitA preset amount based on your creditworthiness
Foreign transaction fee3%
Security depositYour deposit amount will be your security limit

How to apply for Chime credit card application?

If you preferably have no credit scores or have a terribly bad credit score, you can apply for this credit card in the following way.

Step 1: Once you press the Apply Now tab, you can start the credit card application process by adding your email and password.

Chimes credit card

Step 2: You have to solve the puzzle before you can move ahead.

Step 3: Next, add your contact information to this field.

Chime credit card apply

Step 4: You must next add your birth date and social security number in the given sections.

Chime credit card online

Step 5: In this segment, add your income source, information about your occupation, and your source of information about them.

Chime online apply

Step 6: Agree to the information you have and then press the submit application tab.

checking account Chime

You can also click on the agree to all tab to confirm the information.

Chime credit card application requirements

The credit card application will require you to fulfill the following conditions.

  1. You must be a US citizen.
  2. As an applicant, you must have a poor to average credit card score.
  3. You will need an SSN or ITIN

Who is eligible?

Eligibility for the Chime credit card includes the following;

  1. You will need a Chime spending account to apply for the credit card.
  2. As an applicant, you must be 18 years and above.
  3. You must have a complete US address and not a PO box address.

Card Benefits

  1. You have no annual fee on the credit card.
  2. There are no APRs and interests functionally working on the credit card.
  3. You will not need a credit score to take this credit card.
  4. You do not have to make any kind of security deposits

Does Chime credit card give you money?

No, they do not give you any rewards or discounts. The money you transfer from your Chime spending account to your builder credit card account is what you can spend and is your credit limit.

Can Chime credit card be used at ATM?

Yes, you can use your Chime credit card for withdrawing cash at the ATM.

Does Chime credit card help your credit?

Yes, the Chime credit card reports to all the three major credit card bureaus.

Conclusion

The Chime credit card is for those who do not have a proper credit score and cannot afford good credit cards. Using the Chimes credit card, you can build in your credit scores for taking up a better credit card for yourself.

Author

  • My name is Raj Singh. I am a Digital Marketer, Seo Consultant, and Entrepreneur. I have an experience of 7 years in the digital world and launched many digital products.

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