If you are facing obstacles to having an unsecured credit card due to your credit history, this Chime® Credit Builder Card review might help you out.

Even though it is a secured card, which requires a security deposit, it doesn’t charge any fees or interest.

And since it reports to all three major credit bureaus, you can start building your credit safely.

So, keep reading to learn more about this card!

Chime is a financial tech company, which means it is not a bank. But it is held by Stride Bank, an FDIC member.

The Chime Credit Builder requires a Chime account to move money to spend with your Visa.

The operation is quite simple, and this company offers tools to make the process easier. Then, take a look!

Firstly, apply for the card without worrying about your credit history. After getting the approval, you can start using it.

Secondly, move money into your Credit Builder secured account. To do so, you can use the app or the website through an automatic tool or manually. And the amount you have moved is the money you can spend on your card.

Plus, there is no minimum amount required, neither fees nor interest charged. 

Thirdly, it is time to spend money! You can use this credit card everywhere Visa is accepted. Also, the platform shows how much you have left to spend to manage your spending wisely, avoiding outstanding balances.

Furthermore, Chime doesn’t report credit utilization.

Finally, start building your credit history for the future. By the end of every month, you pay your total balance responsibly, and it will be reported to all three major credit bureaus.

Moreover, you can use a tool called Safer Credit Building, which puts on hold the money you spend with a purchase in your secured account. This helps you avoid late payments.

Although this Visa requires an account at Chime and a security deposit, it doesn’t charge any kind of fees or interest. Also, it doesn’t require a minimum deposit. So, how much you move into your account is the amount you can spend with your new card.

In addition, Chime offers easy-to-use platforms that help you manage, control, and track everything you spend to help you build credit.

You don’t need a perfect credit score or a credit history to apply for a Chime card. In fact, it is a secured card that helps you build credit.

So, if you want to build credit, Chime® Credit Builder is a perfect choice! Check out how to apply for it today!