The people that are here are here because they went looking for a place to discuss Chime, and people that are satisfied with Chime probably won't feel driven to find an outlet to blast their satisfied reviews all over the internet. I'd be willing to bet that a fair number of Chime's customers don't know that reddit exists, let alone that there's a section of it dedicated to discussing their bank. Keep in mind, this is a subreddit for a bank. I'd say that it's comparable to opening a secured credit line but without the upfront deposit.

I did go through the dispute process and had the funds returned, but it was still an annoying process (and that's not limited to Chime, basically every bank's dispute resolution process is annoying).Ĭredit builder has helped my credit score. Once they did allow a transaction on a card that had expired but had the same number on it, that wasn't fun. Part of that is luck, the time they went down and couldn't service debit card transactions was a period of time that I didn't end up trying to use my card. I've had it for what will be three years in a few days, rarely had an issue.