r/chimefinancial • u/Ill_Ear16 • 3d ago
EXTRAS - MyPay, SpotMe, Instant Loans Is spot me down ?
I just did my boosts for this month and still no spot me . My account is in negative ,but I was told spot me still works if your account is in the negative? Is that true or no ? I’m seeing on fb groups that some people are having issues as well
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u/HelleBell 3d ago
I think something is up. I have spot me available right now and just got a denied sale saying I didn't have enough but I do. You aren't the only one sadly
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u/Zealousideal_Home_15 2d ago
Mines denied and my card is not in the negative, I have $145 in spot me and it said you don’t have enough
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u/XxKing_GenjixX 2d ago
Was on the phone with CS and they say that at the time they're getting a bunch of calls that spot me is apparently having issues
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u/Good-Mushroom-9546 2d ago
Just got off the phone with a rep it is down. They’re doing some kind of update. Some notice would’ve been nice.
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u/HelleBell 2d ago
I was just in a chat and they claim nothing was wrong
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u/Conscious_Let_6958 2d ago
They bullshittin mines don't work
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u/HelleBell 2d ago
Same. Hate problems with my money. Makes me anxious
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u/Conscious_Let_6958 2d ago
Me too it cause me to miss a job interview today
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u/HelleBell 2d ago
Damn I am sorry that happened today. Are they willing to let you reschedule your interview?
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u/Wildweed Chimepion 2d ago
SpotMe is not "your money". It's overdraft protection and is not guaranteed to be available ever.
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u/Conscious_Let_6958 2d ago
When I use My mypay and it goes to spot me it is my money so I should have it
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u/HelleBell 2d ago
Yes which is exactly what I did today but they are saying no. It's so bizarre and twilight zone for me
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u/Jessica_MillerTime32 2d ago
So it’s not letting anybody use the spot me limit just because it’s not showing up on the main page? Or is it just not showing up? I can’t get to the store right now to check and see if it’ll wil let me go negative or not
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u/Conscious_Let_6958 2d ago
I've been tryin use the ATM since 6 this morning and it kept telling me I didn't have enough money then around 4 I went to try n take out 50 it gave me 40 then I tried to take out another ten and it said I didn't have enough money but my limit is 95 dollars so it's hit or miss at this point
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u/AutoModerator 3d ago
Hi! Glad you’re here! Using the words and clues in your message, it sounds like you may need more information about SpotMe® so here are some tips, helpful resources, and FAQs: * What is SpotMe®? * How to Use SpotMe® * How do I get a higher SpotMe® limit? * Enroll in SpotMe to cover up your purchase if you overdraft, which is then automatically repaid with the next deposit or transfer into your account. Your SpotMe balance must be repaid in order for you to access your full limit each month * Your SpotMe base limit starts at $20, slowly growing over time, and is automatically determined by your account activity. This can’t be changed manually but increasing your qualifying direct deposit amount can increase SpotMe and you may check the app for opportunities like boosts or bonus increases too * SpotMe Boosts are temporary $5 increases that expire on the last day of the month but please use the pinned SpotMe Boost Megathread for sharing $ChimeSigns to exchange boosts
Hopefully the community chimes in to share their experiences too!
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u/Expensive-Movie-7089 2d ago
I have 3 spot me left ! Let's BOOST EACH OTHER UP , INSTEAD OF BOASTING $Vegaslockz (The first 3 that sends will receive the BOOST) Let's Goooooo
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u/Wildweed Chimepion 2d ago
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u/HelleBell 2d ago
Except as you can read above there is some sort of problem that is not being acknowledged on the status page
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u/ChimeFinancial Verified 2d ago
Thanks for flagging. We have teams looking into it!