How To Get And Use The Secured Chime Credit Builder Visa® Credit Card | Chime
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- čas přidán 13. 09. 2022
- Looking to get started with the Secured Chime Credit Builder Visa® Credit Card? We've got your back! In this video you will learn how to sign up for and use Credit Builder. Take a look at our blog for more info: bit.ly/3eQdFtP
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The Chime Credit Builder Visa® Credit Card is issued by Stride Bank, N.A. pursuant to a license from Visa U.S.A. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. - Věda a technologie
I love chime it’s always on time 🎉❤😊
So basically u set the amount aside basically for credit card payment beforehand
Some one stole my gushers from my locker.
I have my card but before I activate and deposit a balance I want to know 100% how to use it, for instance, is usage reported negatively? Like with a regular credit card if you use 100% of your available credit on a card that actually negatively Impacts credit scores, they don't like to see 100% usage. So should you keep a balance of $100 and only ever spend $25 of it?
Hi there! Thank you for reaching out. First, you move money to Credit Builder from your Chime Checking Account. That becomes the amount you can spend on your card. Then spend anywhere Visa® is accepted on your everyday purchases. We'll report your monthly activity to the major credit bureaus.
Watch this for more info: bit.ly/39doq3A
In a nutshell: Credit Builder offers features that help you stay on top of key factors that impact your credit score. That means that the consistent use of Credit Builder can help you build payment history, increase the length of your credit history over time, and more. Every month, Chime will report your activity to the major credit bureaus.
Learn more about this here: bit.ly/3f8nwXE
Important Question - If you start with a particular amount for example $100 , do you have to put the same amount of money on there ? And is that every week or every month or does it matter? Thanks
Hi Patrick, thanks for reaching out. Credit Builder doesn’t have a preset credit limit. When you move money to your Credit Builder secured account this is the amount you can spend on your card (displayed as available to spend). When you make a purchase with your Credit Builder card your available to spend goes down -- this way you don't spend more than you have. You can move money to Credit Builder whenever you want!
The maximum Credit Builder can hold is $10,000.
Dear Patrick Kirby,
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I did not do direct deposit of $200 or any amount but I have my card and my account set up. When I put money on the card to make purchases will it still build my credit?
Hi Gorgeous! In a nutshell: Credit Builder offers features that help you stay on top of key factors that impact your credit score. That means that the consistent use of Credit Builder can help you build payment history, increase the length of your credit history over time, and more. Every month, Chime will report your activity to the major credit bureaus.
In order to get a Credit Builder Card, you need to have received a qualifying direct deposit of $200 or more within the past 365 days.
Learn more about this here: bit.ly/3f8nwXE
More info here: bit.ly/36C6fT2
Wat defines a qualifying direct deposit? If my employer only pays me in cash or if I'm self employed can I just put 200 in my account and get the card or does it have to deposited electronically by them?
Hi there! Thank you for reaching out. In order to get a Credit Builder Card, you need to have received a qualifying direct deposit of $200 or more within the past 365 days. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
Note: Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
More info here: bit.ly/36C6fT2
To get the credit card do I have to transfer money from my checking account first?
Hi Markus! Thanks for reaching out. In order to get a Credit Builder Card, you need to have received a qualifying direct deposit of $200 or more within the past 365 days.
More info here: bit.ly/36C6fT2
How do I pull up and view my credit builder on chime instead of my checking (which is home)
Thanks
Hey there! Thank you for reaching out. You can view your Credit Builder Account in the Chime App. If you have other questions about Credit Builder, you can use the Chime mobile app to get answers.
1️⃣ From the home screen, scroll to Credit Builder
2️⃣ Tap View Transactions
3️⃣ Then, scroll through the tiles at the top of your screen and tap any one to begin.
So I have a purchase of $400 I need to make online and if I use what I have left on my credit builder card my balance will be 0.00 but I’m going to put it the same amount I used back on the card with cash I have the next day, will this effect my score any???
Hi there! Thank you for reaching out, and we know how important this is for you. First, you move money to Credit Builder from your Chime Checking Account. That becomes the amount you can spend on your card. Then spend anywhere Visa® is accepted on your everyday purchases.
In a nutshell: Credit Builder offers features that help you stay on top of key factors that impact your credit score. That means that the consistent use of Credit Builder can help you build payment history, increase the length of your credit history over time, and more. Every month, Chime will report your activity to the major credit bureaus.
Check out all of the details here ⬇️
bit.ly/39doq3A
bit.ly/3f8nwXE
Some kid said his step dad got him with the belt after finding out he took some other kids gushers.
Hi! I have a question. I got my stuff set up in the app. I put $100 in my checkings, put $50 in my savings account. It notified me saying that my chine card will come in shortly. But for the credit builder, is that another card? I already set up a direct deposit from paychecks, and said my credit builder will start once $200 has been deposited.
Hi there! Thank you for reaching out. Credit Builder is a secured credit card with no annual fees, no interest, and no credit check to apply. And unlike traditional secured credit cards, it allows you to use the money you move to Credit Builder to pay for monthly charges! You can use it anywhere Visa® is accepted for everyday purchases - gas, groceries, monthly subscriptions - anything! It's a new way to build credit.
Signing up for one is easy! Go to Settings > Try Credit Builder and follow the instructions.
Note: A Chime Checking Account with a direct deposit of $200 or more to your account in the past 365 days is required to qualify for a Credit Builder card. You can learn more about the features of our Credit Builder Card and commonly asked questions on our website at: bit.ly/36C6fT2
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to answer your question, You receive two cards, one being a white card (Debit card) and a green card (Credit Card) so you have two.
If I own a private business, can I still get a secured credit card? Because I am an employer not an employee so I cannot get "direct deposits"...
Hi Dylan! Thank you for reaching out. We currently don't offer business accounts, but if you're interested in setting up a personal account, more info can be found here: bit.ly/2viOOIi
hey it says on your website No minimum security deposit required so the 200 usd deposit is now removed for credit builder card?
Hey there. Thanks for reaching out! In order to get a Credit Builder Card, you need to have received a qualifying direct deposit of $200 or more within the past 365 days.
Unlike traditional credit cards, Credit Builder has no interest, $0 annual fee, $0 maintenance fee, and no minimum security deposit required. There’s also no credit check to apply! Instead of extending a preset limit, the money you move to your secured account is the amount you can spend on your card. Now you don't ever have to worry about spending more than you have.
More info here: bit.ly/36C6fT2
Please answer can I unlock credit builder by going to Walgreens and deposit money? To unlock credit builder???
Hi there, we recognize how important this is for you. In order to get a Credit Builder Card, you need to have received a qualifying direct deposit of $200 or more within the past 365 days.
More info here: bit.ly/36C6fT2
I don’t have direct deposit that’s why am asking
Can you post a tutorial on how to pay the credit card bill?
Hey Josh! Thank you for reaching out. We appreciate the feedback, and we'll pass it along to our team! 🙏 Furthermore, at the end of every month (around the 28th or 29th), you’ll receive an email with your Credit Builder statement that you will need to pay. There are 2 ways to pay your statement:
1. Safer Credit Building - This is the most popular way to pay among Chime members. It’s a handy feature we built to help you pay on time. When you turn on Safer Credit Building, the money previously moved to Credit Builder will automatically be used to pay your monthly balance.
2. Manually - You also have the option to pay your bill manually. To manually make a Credit Builder payment, select Settings → Credit Builder → Safer Credit Building → and then tap on “Make a payment now.”
Learn more here: bit.ly/3m2nCCl
How do I get the secure credit card 💳 I applied in my phone but it says I’ll get a debit card and that is white and the one I want is green
Hi Eric! Thank you for reaching out. Signing up for one is easy! Go to Settings > Try Credit Builder and follow the instructions.
Note: A Chime Checking Account with a direct deposit of $200 or more to your account in the past 365 days is required to qualify for a Credit Builder card.
I stole gushers from some kids locker yesterday
I thought credit builder reported to all 3 credit bureos? It only reports to fico?
Hi Merlin! Thank you for reaching out! At the end of the month, we'll report your credit card transactions to the top 3 credit bureaus: TransUnion, Experian, and Equifax.
I though chime was for free ? But they tell me I owe them money for using credit chime help !!!
It says I'm qualified but I can't download it
Hi Raquel, thanks for reaching out! We'd like to learn about how we can help you-can you share a bit more with what's going on?
It said I'm qualified to get the builder card but it not on my app
Thanks for getting back to us! Our systems are up and running as normal. Please double-check your internet connection as low service can cause delays with loading the mobile app and make sure you've downloaded the latest version of our app.
Need a new card please
Need a new card please, miss place mind
A new card please
How do I pay it off every month?
Hey hydro, thanks for reaching out! At the end of every month (around the 28th or 29th), you’ll receive an email with your Credit Builder statement that you will need to pay. There are 2 ways to pay your statement:
1. Safer Credit Building - This is the most popular way to pay among Chime members. It’s a handy feature we built to help you pay on time. When you turn on Safer Credit Building, the money previously moved to Credit Builder will automatically be used to pay your monthly balance.
2. Manually - You also have the option to pay your bill manually. To manually make a Credit Builder payment, select Settings → Credit Builder → Safer Credit Building → and then tap on “Make a payment now.”
Learn more here: bit.ly/3m2nCCl
Lost
her card
I wish I could somehow tell that kid that his gushers were stolen by this other kid
Need a new card
Hey Katherine! We recognize how important this is for you. If you need a new Credit Builder card, you can use the app to request a replacement! Go to Settings > Scroll to Credit Builder Card > Tap Replace your Card and follow the prompts. Your request will be registered immediately!
Doo not do it!!!!
I was robbed $400 from my account while I was at work and had my card on me and chime says there's no problem with that. So if you like your money definitely don't bank with chime
Why does it take so damn long to change your damn phone number/password?
chime i would love if u guys would help me. i set the checking account to only take $100 from my payrolls and im at $200 now in my checking account and still do not see the option to open the credit builder. do i need to set the checking account to take $200 at once or do i just need to wait ?
Hey Shay! We recognize how impactful and important this is for you. In order to get a Credit Builder Card, you need to have received a qualifying direct deposit of $200 or more within the past 365 days.
More info here: bit.ly/36C6fT2
For the past two months my credit score went no where got me thinking im using it wrong
Hi there! Thank you for reaching out. Credit scores are determined by the bureaus independently and are based on a number of different factors. One factor of credit score is length of credit history. When you open a new credit card, it can sometimes lead to a temporary credit score decrease. Consistent use of Credit Builder can help you build payment history, increase the length of your credit history over time, and more. And it’s important to remember that building credit is a marathon, not a sprint! To learn more, go here: bit.ly/3f8nwXE
and do you have email to contact you for any query
We appreciate you getting back to us. Our support team would be happy to help. They can be reached at 1-844-244-6363 24 hours a day, 7 days a week. You can also reach in the app and our team will follow up.