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Chime Credit Card
CHOOSE TO USE AT YOUR OWN RISK JUST TELLING MY STORY
So I've been using chime credit builder for 2years and I hadn't experienced a problem until now I was charged 166.56 when I called spoke with a supervisor these ppl really had the nerve to tell me I paid a payment to chime because I used the credit builder card as a credit payment mind u this is my money I put on it how the freak u charge me a payment of 166 for a card I had to put my money on to use I can see if they gave me 100 spending limit in charged me 66 extra because I used free money if I wanted a secure card I would've gotten a secure credit card from my bank not a card that was and is being advertise as a free way to build your credit because you're adding the money you need to spend and can only spend what u add with no extra fees deducted MIND U NEVER IN THE 2 YEARS I BEEN USING THIS CARD HAVE I BEEN CHARGE FOR USING IT
Don't Be Fooled
My brother told me about the Chime card on December 23, 2021...I signed up for the card..I got a free $10, great...I signed up for the direct deposit from my social security to Chime in January (one requirement to receive free money was to have dd process done in 45 days)..well it took 60 days for my social security administration process to be done...$$ not renderd..dont be fooled your dd may not get processed in that 45 day term........the funny thing about all this I still told my daughter about Chime and she signed up...I gave 3 stars because Chime did honor $10 free to my card twice and I also was able to get "SpotMe"
Caught Lying
my wife recently used her CHIME debt card for a hotel and was over charged for 3 different amounts 3 days straight for close to 1,700. she called customer service and had the representative on the phone while she spoke with the desk clerk which said they hadn't charged her card and she even received proof that the hotel had over charged her card. The CHIME representative stated it did show her card had been charged on the dates stated and that her money would be put back on your card in no more than 48hrs when she called back to check the status of the claim first the representative told her that they didn't see the charges on her account and immediately after she said she'd already talked to someone from chime and that she had a printout showing the multiple charges the rep from CHIME told her they can't dispute the charges against the hotel even if it does show they charged her card... I've been a chime card account holder for a little over two years now even last year when they started stealing everyone's money I thought they'd get better but I see now. I'm done
Chime Is The Worst...
I have had many problems with them.... today is the last straw..... as soon as my deposit hits I'm pulling my money n this bank can kick rocks..... too many unresolved issues..... over it
Data as of Q4 2021
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35444 |
| Year Established | 2000 |
| Employees | 651 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.81% |
| Return on Equity - YTD | 19.35% |
| Annual Interest Income | $222.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2021vs Q4 2020 | $6.85B$6.28B |
| Loans | Q4 2021vs Q4 2020 | $5.12B$4.54B |
| Deposits | Q4 2021vs Q4 2020 | $6.05B$5.57B |
| Equity Capital | Q4 2021vs Q4 2020 | $686.2MM$575.3MM |
| Loan Loss Allowance | Q4 2021vs Q4 2020 | $17.8MM$16.1MM |
| Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $7.7MM$23.1MM |
| Real Estate Owned | Q4 2021vs Q4 2020 | $19.2MM$22.0MM |