No, you cannot use your Chime Credit Card with no money in your secured account. To use your card, you need to have available credit to cover your purchases. Also, if you attempt to make a purchase that exceeds your available credit limit or available balance, the transaction will be declined.

How the Chime Credit Card Works

The Chime Credit Card is a secured credit card. You can move any amount of money (up to $10,000) from your Chime checking account to your “Credit Builder” account, and that amount becomes your security deposit. This amount equals your spending limit, too. 

If you are looking for a credit card that doesn't require a security deposit, you can check out our editors' latest picks for the best unsecured credit cards for bad credit. However, it's important to remember that a credit card is not free money, but rather a form of borrowing. So, it's important to use credit responsibly and only charge what you can afford to pay back.

There is no pre-set starting credit limit for the Chime Credit Card. The credit limit for this card depends on the money you decide to move into your Credit Builder Secured account. Chime only gives a maximum credit limit for this credit card, which is $10,000.

How the Chime Credit Card Credit Limit Works

Although the Chime Credit Card is a secured card, it doesn't require a minimum security deposit. But your spending limit equals the amount that you transfer...

Yes, the Chime Credit Card is a secured credit card. This means that this card requires a refundable security deposit. There is no minimum amount required, but your spending limit equals the amount that you transfer from your Chime Spending Account. So, it would be best to add a security deposit of at least $200*. Unlike other secured credit cards, with the Chime Credit Card you can use your deposit to pay for monthly charges.

Keep in mind that the...

You can change the PIN on your Chime Credit Card by calling customer service at (844) 244-6363. Just be sure to have your credit card nearby because you'll be asked for your card information.

It is worth noting that Chime Credit Card doesn't charge you interest or fees for cash advances when you use your card at in-network ATMs. You can find the ones near you by using Chime's ATM Map. Using this card to get cash at any other ATM, though,...

To get a Chime Credit Card credit limit increase, simply add more money to your "Credit Builder" account from your Chime checking account. You can do that at any time straight from your smartphone by using the Chime mobile app.

Here's How to Add Money to Your Chime Credit Card Using the App

1. Tap "Move Money" on the bottom of the home screen.
2. Select "Transfer Funds."
3. Using the green arrows on the right side of the...

Yes, the Chime Credit Card is contactless. The card is equipped with a contactless chip called Tap-to-Pay, enabling users to conveniently complete their purchases by simply tapping the card to the contactless reader at checkout. This feature enhances the payment experience and offers a secure and swift payment method for Chime cardholders.

However, this contactless feature has only been implemented recently. If you have an older Chime Credit Card without the Tap-to-Pay feature, you'll have to order a...

No, you cannot do a balance transfer with the Chime Credit Card. Furthermore, the Chime Credit Card is a secured charge card, therefore the balance has to be paid in full each month. So even if the card would allow you to transfer a balance, it wouldn't help you with paying your debt over time.

For a look at some of the top balance transfer cards on the market, check out WalletHub's Best Balance Transfer Credit Cards page.

How to Choose...

Not “anywhere”. If someone says “Yes”, invite them to try and rent a car from Dollar, Enterprise or others at SAT Airport using the Chime Credit Builder credit card. I just came back and I was unable to use it with a substantial a mount of money already available for use on the card. So it had nothing to do with the cash limit since I had well over $4000 available for use.. and the...

You cannot get a Chime Credit Card cash advance, because it's not available on this credit card yet.

Cash advances aren't a good idea, anyway. They have a high APR and charge a cash advance fee, as well as ATM fees in some cases. So my advice is to avoid them as much as possible.

The due date for your Chime Credit Card is at least 21 days from the time you opened the card account. You can find the exact due date listed on your monthly statement. Because it's a secured charge card, payment is required in full before the end of each due date.

To avoid missing a payment, you can turn on the "Safer Credit Building" feature from the Chime app. That way, the money in your "credit builder" account...