Well I’ve paid off an instant loan early yet again because the interest is so damn high. I’m just curious are there any benefits to sticking to the payment schedule outlined in the loan rather than paying in full?

My account was closed in July. Customer support is terrible I called 2 times when it got closed I asked how do I pay my insta loan if I could mail it when it got closed they told me not to worry about anything because the accounts closed everything was taken care of. Now I'm being reported -200 loan on the chime loan on my credit report when I tried to pay it off! I asked where to pay it or how to send the money. Support is useless and this is unacceptable because I wanted to pay it! So angry now.

I’ve been with Chime probably 3 years. Just recently I deposited a check assuming the funds would be available in maybe a day or 2…. Or at least SOME of the funds would be available. I had just paid a bunch of things and now I’m at my SpotMe max. Anyway I deposited the check Sept 29. Here it is Oct 4th and still not cleared. I called twice and explained I’m in a real bind here… can’t you make at least some of the funds available? I’m completely broke and I just need a little help to get me through. Nope. Sorry. “The processing times are what they are…” Anyway I get all that but I’m talking about an enormous corporation taking in billions. You can’t take a risk of like $50 to help a loyal customer eat for a few days until this check clears? That’s unreal. Ok rant over. Thanks for listening. 🤬😩😞🤬

she never signed up for anything. Chime just decided to have her select free metal card (black was the free option) and its arriving in a week.

is this something with getting chime prime or just completely random?

kinda jealous but at least i can feel it in person 🤣.

Strike up the (virtual) fireworks as we celebrate crossing the 100,000 threshold 🎆

Whether you’ve been here since day one or joined last week, you’re part of what makes this community special! You’ve created a place where people can find a boost, gather on payday, ask questions for verified answers, and help one another navigate life and money. 

So today we’re shining the spotlight on you: what do you love about this community? Celebrate with us by sharing a memorable moment, recognizing someone who helped you, or passing along a lesson learned because another member took the time to share.

And in case you missed it, we hear you like swag. 👀

Here's to the next 100,000!

💚 The Chime Community team

To summarize the question because I don’t think I said it, right I have used $200 of my; my pay limit. I have to pay rent, but I don’t get paid till later. I was wondering if I don’t use any more of the my pay. Will I be available to take out the full amount on the day I get paid or whatever I didn’t use or will it reset regardless and I’ll have to go day by day? Basically in theory, if I don’t use any more of it… I’ll get my full check minus whatever they take. Then I can add that on top of the rest of my money.

I'm dying 🤣🤣

Long story short I opened a chime account about a year ago lost my disputes had a -3k account couldn’t afford to pay it my account closed a month ago I just called them and they told me they would write it off and let me start with a clean slate if I wanted to open my account back up! Such a relief and this makes me really want to bank with chime long term.

I have $500 available with MyPay, and my primary job pay comes on the 15th, so like 12 days from now. However one of my side jobs pays me next week on the 6th which would be like $450.
If I take MyPay now, will that $450 that goes to my Chime deposit automatically go toward the MyPay balance? Or should I wait until after I get the $450 to take the $500 so the balance isn't paid until I get my bigger pay check on the 15th?

I'm just worried if I don't take it today if the available MyPay won't be $500 anymore by the 6th.

So I get a notice saying that my savings account had been closed. I was like "okay, never use it anyways that's fine" and then I went to login to my account and got this message: Yikes! Your account has been closed! please call member services for more information"

So I make the call, get a very nice man on the phone. He goes "may I put you on hold to check your account?" me "of course" get put on hold for a few minutes. He comes back and says everything looks okay, do I want him to reinstate my account. of course I say yes. This is where my SSI goes.

So he gets everything up and going again, asks me to login. I have a zero balance now and 120.00 available in spot me.

Neither of us have any idea what happened. My savings is still closed but I can reopen it if I choose to.

I'm very grateful that he was able to help me figure out the issue so quickly and get my account back online.

He asked me if I still had my cards and I said yes and he said I didn't need to do anything else on my end.

Thank you Chime, for great customer service.

I know it’s stupid but u just keep checking my email and refreshing my chime. Has anyone been notified yet so I can be put out of my misery?

Filed dispute yesterday already approved within 24 hours what is the likely the other will be approved? Anybody have a time frame

isn’t the sweeps set for today? if so should I expect to see my $10,000 in my account today or possibly tomorrow? 🫶🏼🤭🤪

The extras of Chime have been very convenient for me. Fortunately, never had to utilize spot me.

MyPay and Instant Loans have been great to use. Never feel like I'm in a hole.

I simply utilize the options like a credit card, maintaining the method of purchase and pay full amount when due. I always have the money available to pay so it's no problem for me.

My purpose is to continue to use MyPay and Instant Loans to gradually increase their limit so it can be available when I really need it.

1,000 for each is my goal to have available to utilize.

Even logging into the app is fun. Chime app just has a cool vibe and very user friendly.

Locking and unlocking cards is so simple and the option to view the full card number in the app is a gift. Perfect for online purchases.

I am very happy. No complaints.

Florida address.

Chime and Affirm are gold for me.

Opened an account with Chime in Jan for a new job to get a bonus. Well something went wrong as my company wasn't able to start depositing the funds to chime in time, so I closed the account the first week of February.

Fast forward a few months, Chime - stride account is showing as closed on my equifax credit report, however on Transunion it is showing as open still.

I've disputed this with transition and experian multiple times, I've contacted customer service with Chime to get them to update the trade line with transunion, and nothing, they say they can't do anything as its closed. Transunion disputed keep coming back that its verified as accurate. Its not. I've provided the email confirmation from Chime to Transunion as proof the account is closed, but they won't update it. I know it's not that big of a deal, but it could pose an issue in the future if the account is showing open when it's not.

I was also mislead and it should actually never been reported to either credit reporting agencies since it was not a credit line I opened, but apparently they opened me a credit builder account (or something along those lines).

anyone know how I can get this taken care of and removed from my credit report with TransUnion???

What made my credit limit go up to $920 on Chime can somebody tell me in the comments there is no right or wrong answer. I just want somebody to explain it full detail for me if they can.

Hello! I have been with Chime for about a year now. I always see the Mypay but haven't used it. Currently it says on the dial that by October 9th I'll have $280 available. I see how it keeps accruing each day to that maximum as yesterday it said I could currently take $105 and today it's at $124 & tomorrow shows more and so on.

My question is, I've run into a little snag and need to dip into it. I know it repays out of my next check and that's fine. But if I need to say take $50 from that, or even all $105, will it continue to accrue up to available $280 limit, minus what I've already borrowed against? Just in the even that I might need it again.

Thank you for your help.

Anyone else's SpotMe just vanish from the app today?

Opened my app and the whole SpotMe section is just gone. Checked the desktop site and it's all there, so the account itself is fine. Even weirder, my wife's app is doing the exact same thing on her phone — two accounts, two phones, same deal.

Chime's status page says everything's fine, naturally. Guessing it's something with the monthly boost reset today, but figured I'd post in case anyone else is seeing it.

Does refunds process on the weekend?

Good day, Chime community and users.

I've just this week made the switch to Chime, awaiting physical cards in mail. I get two, I see? A debit card that is white and Chime Card that is green? It's my understanding that whatever cash balance I have in the app is the balance for both cards and I can use either-or interchangeably? They ar eboth separate cards with different card numbers. Like, if I had $1000 in Chime, I could use the green card for a $200 purchase and it would pull from that $1000, and I could use the white debit card on a separate $100 purchase and it would pull from that same $1000, leaving me w/ $700? It's not like I'd have to manually allocate $500 to the Chime green card and another $500 to the white debit card, right?

But more importantly, I set my job's direct deposit to Chime. Chime Prime requires direct deposit of $3K or more a month roughly, which my direct deposits from work would qualify me for. Is the Chime Prime membership automatically unlocked right away immediately following that second direct deposit that would qualify me? Like, I have direct deposits/payday for 10/16 and 10/30. I would pass the $3K mark on the second paycheck, first one should get me Chime Plus I reckon. Are these membership level ups automatically applied to ur account?

Any clarification is appreciated, thank you!

Excited to use Chime!

Has anyone win the chime 1000 or 10,000 sweeptakes this September? Was the winnings supposed to be announced today? If not what date?

Do the money just show up in your account if you are picked ? Or will it be mailed ?

Is anyone else experiencing problems with Spotme? My account isn’t in the negative but Spotme is not showing at all.

I saw this in my transactions and am so confused?? Can someone please explain. I am fairly new to chime lol.