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Chime Credit Builder Visa® Credit Card review
Looking for a credit card to help you build your credit? Check out our Chime Credit Builder Visa® Credit Card review. With no annual fees and no APR, this card is perfect for those looking to improve their credit score.
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Chime Credit Builder Visa® Credit Card: Build and establish a healthy score for free!
Are you looking to build or rebuild your credit score? With the Chime Credit Builder Visa® Credit Card, you can make your financial dreams come true.
How to apply for the Chime Credit Builder Visa®
Check out our simple guide on how to apply for the Chime Credit Builder Visa® Card, which can help you build your credit history.
This innovative card offers an excellent opportunity for those seeking to improve their creditworthiness – no matter what stage of life you’re in!
- Credit Score: You may apply and get your Chime Card regardless of your score.
- Annual Fee: Chime charges no annual or monthly fees.
- Intro offer: There is no current sign-up promotion.
- Rewards: This is primarily a credit building card, so there are no rewards on purchases.
- APRs: There is no annual percentage rate with the Chime Card.
- Other Fees: There are none. Build your score responsibly free of charge.
The Chime Credit Builder gives everyone the opportunity to enjoy all of the benefits of an international Visa card while clearing the path to a better credit life.
The best part? It’s one of the less expensive cards to own, with no annual fee, no maintenance fees, and no APR.
So if your goal is to become more financially sound and secure, read on for everything there is to know about the Chime Credit Builder Visa® Credit Card in our comprehensive review.
You’ll soon learn why this card might be a great option for improving your credit score.
Chime Credit Builder Visa® Credit Card: What can you expect?
The Chime Credit Builder is the perfect choice for building financial confidence. It works like a traditional credit card, but offers an extra layer of protection.
To get it, all you need to do is open a Chime account and receive a $200 payroll deposit.
With Chime’s Credit Builder benefits, you’ll get access to Chime’s online budgeting tools and will be continuously updated on any changes in your credit score so that you can make knowledgeable decisions when it comes to your financial future.
Chime’s most invaluable benefit is that there are no fees to this card. You don’t need to pay to open an account, there’s no annual fee or APR on the card.
As a matter of fact, there’s not even a credit check, so your score won’t suffer any dents when you apply.
You can turn on Safer Credit Building for autopay and Chime will report your monthly payments to all main credit bureaus in the U.S., which in turn helps you build and establish your credit score much faster.
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Do the pros outweigh the cons?
As with all credit products, the Chime Credit Builder Visa® Credit Card has its perks but it also has a few drawbacks to consider.
Check Chime’s Credit Builder pros and cons below to see if this is the best choice for your financial goals.
Pros
- There are no membership fees with Chime;
- You can take your Chime Card abroad and benefit from 0% foreign transaction fees;
- There are no credit checks when you apply for a Chime Card;
- You can transfer money to your Chime account and use it as your spending limit anytime;
- Get access to online credit building resources to help you keep track of your progress and teach you about money management.
Cons
- You need to open a Chime checking account and receive at least one payroll deposit of $200 to become eligible for the card;
- There are no rewards on purchases with the Chime Credit Builder.
What are the eligibility requirements?
To qualify for the Chime Credit Builder Visa® Credit Card, you need to be at least 18 years old with a valid SSN and government issued ID. You also need to be a U.S. resident with a mailing address.
Chime requires all new applicants to open a checking account with them and receive a qualifying direct deposit of $200+ to get the card.
Learn how to request the Chime Credit Builder Visa® Credit Card
If you’re looking for a tool that can help you build up your credit score, the Chime Credit Builder Card could be the answer!
Check the following link to learn how you can apply for it and what to expect from the process.
How to apply for the Chime Credit Builder Visa®
Check out our simple guide on how to apply for the Chime Credit Builder Visa® Card, which can help you build your credit history.
About the author / Aline Barbosa
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