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Chime Credit Builder vs. Spending Account | Which Should You Use?

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Comments

Can u raise the amount of the credit card,or does it stay locked with the first amount u open it with?
Comment from : @PoiZ3N_ENvY

Thank God for you! I signed up for it because it sounded good and people told me to, but I didn’t understand it Thank you!
Comment from : @DenverHarris

Can you reciew self card
Comment from : @Princess-lo8lu

Is ur money still in ur account can i still use my debit card when i get credit builder i lose my debit card
Comment from : @richardcoddixyngton4833

Chime credit card need SSN to apply it?
Comment from : @springsong8205

Question! Would it be better to spend the full amount deposited in the CB card when it gets reported to the Credit Bureaus? Or would it not matter how little/how much since it’s our own money and would be considered paid for brbrThanks for the informative video!
Comment from : @leaf1135

Can you move money back and forth from credit builder to debit or just debit to credit builder?
Comment from : @Acidoverwrite

Thanks ❤
Comment from : @lvme718

🎉
Comment from : @StephenJardel

So basically if I put in $100 when my billing statement comes in I have to pay that $100 back so pretty much I have to pay back what I use in order to build credit
Comment from : @jamartemple

How long does it take to get your chime debit card
Comment from : @jollyxmas1084

How do you pay off your chime credit card at the end of the month? That’s the only thing I am still confused about Do I have to pay it all off at once? How does that part of it work ?
Comment from : @Nailedbyellie

🔴🔴 READ NGAHNKARACKwi4799 Comments this card is BAAD SAVE YOURSELF !
Comment from : @pilarq7886

You can only get the credit builder if you have a qualifying direct deposit from your employer
Comment from : @tir107

I'm still confused 🤣🤣🤣🤣
Comment from : @neawatson1448

Does the chime credit card have interest?
Comment from : @JustAriel

You are too confusing
Comment from : @MatijaSpasic-fu5er

Really confusing
Comment from : @Bluegreenred

Can you pay taxes through Chime?
Comment from : @joshdidea3823

Do I have to spend all the money that I have in the credit building account? If so what happens if I don’t? ( I’m new to everything)
Comment from : @_Mal72

THANK YOU SO MUCH!! I was really confused on how the credit builder card worked and now I fully understand 🙂👍 I really appreciate how detailed you are in explaining it I absolutely LOVE banking with CHIME and its a no-brainer to move money to the credit builder card to overtime increase my credit score! Have a great day 😃
Comment from : @reneahetzel1251

I get social security
Comment from : @travinahaynes-vl6hu

My family will not let me get a job I am not happy 🙁
Comment from : @travinahaynes-vl6hu

i need help
Comment from : @travinahaynes-vl6hu

Direct deposit that's what I have i money to my chime card
Comment from : @travinahaynes-vl6hu

i need help please sir i never got my money on my chime card
Comment from : @travinahaynes-vl6hu

So basically the credit builder card is a debit card that helps your credit? Lol
Comment from : @adeen470

Thank you for explaining this!
Comment from : @michelleclark4318

I was not convinced about chime before but now i love it
Comment from : @robertoloera4359

Thank you for explaining this I had no idea what the credit builder card was I thought it was just a regular cc
Comment from : @candycoatedreams

The chime app will not allow me to use my password or email it helped me playing games to prove that I was a human and I did just that and it's still the one that let me in to my app
Comment from : @brianwiles3049

The chime app won't accept my password my email address it has me playing games and I've been doing this all f*b***/b day
Comment from : @brianwiles3049

How do you put cash onto the debit (white card) ? And/or how do you transfer funds from a normal brick and mortar bank to Chime Debit/ spending (white) card ? I don't want to set up direct deposit with my work
Comment from : @laurendeah4196

My credit is going down with this card? Why?
Comment from : @levibernardy8725

Anyone familiar with other online banking who offer similar credit builder services?
Comment from : @joseyjenkins6049

This is bullshit the credit builder reported that i had a balance of $1700 and dropped my credit score by 116 points
Comment from : @sergioontiveros4984

Correct me if I’m wrong please, or reply if I’m right When you load money onto this card, every swipe at a store is considered an on-time payment?brbrbrAlso, how does this card hold the money to pay it off in a month?
Comment from : @unboxty

Lest you be fooled, chime destroyed my credit score and I'm down 54 points in 30 days for not putting cedit bilden on (on) I don't have a job right now because I'm getting radiation for cancer I called them and they asked me why I had to continue making direct deposits if that was my money and I did not want to continue making deposits and their response was that they were very sorry but that was the system that the bank did not advise you to build your Credit
Comment from : @MaintenanceGSNPHotels

How do you deposit cash into your Chime checking account?
Comment from : @usynthesis4749

Alternative banking or virtual banking is usually for bottom feeders, people who's credit is in the basement or coming off of BK Chapter:11If you really need your paycheck 2 days early you have bigger problems than you know!
Comment from : @kendallevans4079

Thanks man I think you really just helped me out decide what to do
Comment from : @lamarwilliams8831

Do they send a card!?
Comment from : @tipsyart

When setting up the direct deposit do you have to do your whole check? Or can you choose how much? I got my bills set up to take out money once I get paid as well
Comment from : @Chrisp505

CLAIM number 536#### Enough said Investigated in 5 hours case closed no reason, first time ever making a claim No PROVISIONAL No time to even make it to the police station to file a report You're not secure or professional to hold my family's wealth in your hands No way of talking to the claims department 👀 LOOKS LIKE THE DEPARTMENT IS IN ON THE SCAMS YOU ASK ME THIS REALLY REALLY HURT MY FAMILIES WELL BEING YOU SHOULD NOT BE TRUSTED WITH ANYONES MONEY I WILL PASS THIS ONTO EVERYONE
Comment from : @oksooner405

Who in the fuck is Herbelife Internet?brThey took $17000brFrom me, CHIME won't even investigate 😠😡😠😤
Comment from : @oksooner405

If someone has it set for half there direct deposit to go on one card and the other half to go on the other card will they still get paid early?
Comment from : @southerndreamer1977

what if i transfer all the money out my credit builder card to my debit card?
Comment from : @aaronpenn68

do you have to pay off the credit builder card each month? how does that work im confused
Comment from : @auroraperkes58

what about credit utilization
Comment from : @jerryshelton5268

so when I set up direct deposit to my account dose that automatically open the “savings account “ ? Or I would have to manually open the “saving’s account” ?
Comment from : @nickmix1464

Can I have both? Or can I only order 1 of the cards
Comment from : @rencari2954

OK LET ME TELL U HOW THIS CREDIT BUILDER CARD REALLY WORKS IN LAYMANS TERMS:bruse the green metal credit builder card as if its a charge cardwhat ever money u add to this card every month must be adding back on to this card bye the end of the month before chime reports to all 3 credit bureaus or this turns into a negative mark on your credit score and u will wonder why after your credit score went up from using this card why all of a sudden your credit score took a dip THEY DONT TELL YOU THIS INFO IF U PAY YOUR BILLS WITH THIS CREDIT BUILDER CARD MAKE SURE U HAVE WHAT EVER MONEY YOU USED YOUR CREDIT BUILDER CARD FOR AT THE END OF THE MONTH BEFORE CHIME REPORTS TO THE 3 CREDIT BUREAUS basically
Comment from : @eatingwithsylvia9339

Can I still get the credit builder card without direct deposit because I'm getting paid in cash
Comment from : @rayvonclose4603

Thank you for the break down of each card Thank you
Comment from : @nikitajohnson4889

Does chime fix your credit?
Comment from : @knivesmercy6730

How does credit utilization factor into the Chime Credit Builder card? I’ve been taught to stay under 25-30 utilization rate otherwise this will negatively impact my overall credit score so how does that work for a “pre-paid” card? For example, let’s say I spend on average $250/month, would I need to ensure I have at least a $1,000 balance on my Credit Builder Card?
Comment from : @kailani808

how do you add funds to the card?
Comment from : @brendasollers5252

are they have fees using this card?
Comment from : @brendasollers5252

Can I buy bitcoin through chime?
Comment from : @orezimenamichael2748

🔥🔥🔥🔥🔥
Comment from : @kalvintaggart6350

For a example I have chime and direct deposit for it but all my money go to my credit builder how do spilt that up
Comment from : @myleslivingston6971

I’ve been a chime customer 5 ever dude and I’ve always wanted to use this credit builder you explained it very thoroughly I appreciate you my bro 🤙🏽I hope you have a good day and I subbed sir ✨
Comment from : @HypnoticHawk

I'm still confused about the credit builder card So every time I swipe it helps my credit? or do I have to link this card to let's say a phone bill or Netflix account and let those reoccurring payments do the trick ? I currently have their debit card Liking it much better than Wells Fargo The fact they don't have fees is a huge plus Great content and the background looks amazing keep it up :)
Comment from : @rorysalazar3198

Can I use my chime card without setting a direct deposit up and just transferring funds from another account?
Comment from : @ashleykrauss

Hi can i still open Chime account without setting up direct deposit?
Comment from : @sheenamariesulat2802

1 question , so if I put 300 onto the credit card & I spend all 300 is that a on time payment or would I have to pay 300 again as a monthly payment since I used all 300
Comment from : @dinerox8635

Just got my deposit for my chime account I assume I have the card on the way Appreciate the info I'm trying to build my credit and I plan to use the credit builder card for every purchase
Comment from : @chillgamerdude4587

What’s the most I can withdraw off my chime / cashapp or I can transfer
Comment from : @marquisblakemore8468

You can't get the credit builder card without a liable direct deposit So if you work and are only paid in cash or checks you won't be able to access the credit builder option If there's any way around this please inform me
Comment from : @killerbrando

So if I spend money from my savings account it will come from the credit builder card?
Comment from : @uncgodly412

Can you load money via in store deposits?
Comment from : @fcsthememe7987

I recently have signed up for both cards, but I use the debit card to receive direct deposit and to pay bills I am waiting for my credit card builder and want to know should I just pay my bills using that card instead once it arrives? And just use the debit card as somewhat a savings account and a way to transfer money from that account to the credit card builder and just use the credit card builder for future purchases to help build my credit score? Please let me know what you think and suggest for me to become financially disciplined For me personally, hiding money from myself or holding money in separate accounts helps me save money and not spend all at once by seeing all my money in one account because I also have banking accounts with Chase and Carver bank
Comment from : @LimitlessResilience20

Can you take the chime credit builder card to the store and load cash onto it just like the debit card?
Comment from : @mypinkplayground

Bravo 👏🏼 Great Video 🔥🔥🔥
Comment from : @BadJujuJr

Can you how to tranfer money from your secured account to your credit metal card
Comment from : @blessed_highly_favored_lib2021

So basically to dumb it down put money in the credit builder but that money is actually just ur checking money (so act like it’s just ur check money and go crazy) because it automatically pays off it self at the end of the month
Comment from : @J2XGaming

Experian never updates my chime credit building but trans and equifax do
Comment from : @samantharichman7883

I never had a credit card before I am scared of them I hear horror stories and I’m 30 and have avoided them but I been thinking about getting this one since I recently got the checking account and you helped me made up my mind
Comment from : @mirianchavez8150

Thank you for this thorough explanation! Loved it great channel God bless 🙌🏽
Comment from : @koking7

What's your opinion between Chime vs Extra?
Comment from : @karenm4054

The Chime Spending Account Of Course
Comment from : @ELPCOTILLION-SD1970

I can’t open the credit builder card because it’s asking me to do direct deposit from my employment but my job gives personal checks and doesn’t do direct deposit 😭
Comment from : @dorisgarcia1700

Does the credit builder card do the round up?
Comment from : @jessicarae6485

What If you already have a bank credit card Is it worth applying for chime credit builder? Will this affect my credit score between my bank credit card and chime credit builder?
Comment from : @richardc_2382

My question is that if I spend $2 on coffee and it gets taken out on my credit Builder account at the end of the month?
Comment from : @jodymarshall766

Funny how people can use your card to take money without permission but the app is like oh you cant dispute a pending payment and its taken out already Helping assholes steal our money
Comment from : @Blazeww

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Comment from : @josephcornell269

I doubted them at first time junkywarriors but to my patient and soft mind they surprised me with the fund I never expected, you are the real man to deal with
Comment from : @chrisboyes8513

Hello Double M, trying to make a decision about one of these banks but which one is best for quick check chasing but not direct deposit as I am self employed I really need fast turn around on check clearing as well as the ability to write maybe 5 checks per month And finally how long does it take to activate the account and start using it as I have checks to deposit now Thanks for your help with this processbrShelton M
Comment from : @sheltonminor9881

I misplaced my chime spending card , is the same money on my spending on my credit automatically? Someone please answer I’m on E and can’t find my card
Comment from : @kiearahoskins1051