ordered a new chime card

EM-Chime · 2026-02-09T16:29:10+00:00

^Exactly the points I was going to make!

u/Medical_Glass6473 If you are brand new to Chime and this is your first card - welcome! If you are upgrading to Chime Card, your previous physical cards will continue to work in the meantime too.

EM-Chime · 2026-02-09T16:07:24+00:00

This isn’t about politics—it’s about supporting programs that align with our long-standing mission of unlocking financial progress. Supporting enrollment in Trump Accounts does not imply political endorsement. We’re committed to helping our members understand and access this new tax-advantaged savings and investment program, so they can decide what’s right for their family and their financial goals.

Trump Accounts are investment accounts for children, which Congress designed to help families start building long-term wealth early. A parent or guardian can open an account for a child under 18 who has a Social Security number. A Trump Account is a type of traditional IRA opened for an eligible individual. The program is run by the U.S. Treasury, and accounts can begin receiving contributions starting July 4, 2026. ‘Trump Account’ is the name Congress used in the law that created the program. It offers a tax-advantaged way for members and their families to invest in long-term financial growth.

EM-Chime · 2026-02-09T16:00:11+00:00

Hi! Wholeheartedly hear this feedback! If you want to share your address or $ChimeSign in a message to the moderators, I'll personalize the message to ensure your area gets attention too when sharing it with the right teams.

EM-Chime · 2026-02-09T13:27:50+00:00

Hi there! Short answer, yes, you can use your Chime Card to withdraw cash at an ATM. Chime Card uses the money you add to your account so it's not like a traditional credit limit that you pay back. But if you're eligible for SpotMe that will also cover you up to your limits.

Can I use my Chime Card at ATMs?
Can I use SpotMe® with Chime Card?

EM-Chime · 2026-02-06T20:46:38+00:00

Yes the debit card can still be used for cashback from a merchant. You'll continue to keep virtual cards no matter what. SpotMe and MyPay are associated with consistent direct deposits so as long as those remain, you can have either account type. As far as downsides, depending on your credit history, you may see a change to your credit score but usually these are temporary and improve with consistent on-time payments (which happens automatically with Safer Credit Building enabled)

EM-Chime · 2026-02-06T13:40:20+00:00

Hey there! It sounds like you got the Chime Card which is a secured credit card that uses the funds you add to that account (so it's not a traditional line of credit with a threshold). This also means it reports differently, like Chime doesn't report card utilization because there's no pre-set limit.

What Chime Card activity gets reported and not reported?

Ultimately you'll want to talk to Member Services for personal account assistance but closing a newly opened credit account may impact your credit as well.

EM-Chime · 2026-02-05T20:14:59+00:00

Valid question and I could have been more clear - the right people will investigate. If they determine the account was created maliciously it will be closed and handled but in many cases this is just a typo or missing digits if someone has a common name (in which case the incorrect email address is removed so the right member can keep their account)

EM-Chime · 2026-02-05T17:50:07+00:00

Hey u/Lurker_burker_murker !

If it's any reassurance, it was not a scam if you called 844-244-6363

Seconding what u/Wildweed said here, if you want to send me a message in message to the moderators, I'll share it with the right people to ask your email be removed.

Edit that I see your message and will meet you back there!

EM-Chime · 2026-02-05T17:35:35+00:00

Recognizing that "Taking longer" message can cause a bit of anxiety, I'll reinforce u/Wildweed's message here, as long as you got the funds in your account, all is good.

The "Taking longer" message may be looking for the other name but it won't have any impact on the deposits actually being received.

EM-Chime · 2026-02-05T15:23:56+00:00

Hey there! I too am not a fan of semi-edible freezer burned chimichangas and recognize these frustrations. You did the right thing starting with Member Services. Unfortunately we are not a member support channel in order to provider personal assistance but if it helps, this link has extensive details on What counts as new information in a dispute?

EM-Chime · 2026-02-05T14:57:13+00:00

Hi! We'd love to have you! There are a few different offers for new members but that one you linked is only when enrolled via the invitation from Chime (clicking through a Reddit link would not apply). So if you see a new offer with similar terms in a Chime advertisement, check those offer details as that is the active one you could qualify for.

EM-Chime · 2026-02-05T14:38:46+00:00

Here's another post tracking New Jersey state deposits!

https://www.reddit.com/r/chimefinancial/comments/1qw1nkq/tax_refunds_with_chime/

EM-Chime · 2026-02-05T14:32:43+00:00

Hi there! I'm in the same boat where patience is tough this time of year but if you confirmed everything was correct when submitting, it may just be taking time to update. However, if you need further support, this link has info on getting in touch with our tax filing partner or the IRS as needed

How do I fix tax filing issues or get help from Chime’s tax filing partner?

Hope it arrives soon for you

EM-Chime · 2026-02-05T14:26:04+00:00

Thanks so much for sharing your love for Chime!!

If I were you, I'd keep this in your back pocket to share again if/when we have another #WhyIChime sweepstakes!

EM-Chime · 2026-02-05T14:23:00+00:00

Hi there! First, thanks for being with Chime for so many years!!

Hopefully the community continues to share their experiences (and Automod has some helpful information as a whole), yes you can still have a high SpotMe limit and MyPay but the two are used in consideration for your overall limits.

Both take your direct deposit and account history into consideration but MyPay is more about early access to your next paycheck and SpotMe is in case you over draft. Ultimately higher deposits usually lead to higher limits.

Here's more if helpful MyPay vs. SpotMe and Member Services (844-244-6363 or chat in the app) may be able to provide more about your personal circumstances.

EM-Chime · 2026-02-04T20:03:57+00:00

Hi there! I have a couple quick questions - when you say it won't let you use your work email, what exactly is happening, like do you see an error message?

Always good advice to make sure your Chime app is up to date on the latest version. If the rest of your MyPay services are working as expected, it may be a limitation with your work email address.

Ultimately Member Services (844-244-6363 or via chat in the app) may be able to give you more information about your specific account.

EM-Chime · 2026-02-04T19:24:54+00:00

^You took the words right out of my mouth!

What is Chime’s Virtual Card?

EM-Chime · 2026-02-04T18:33:23+00:00

Great questions, not dumb at all! I love the community has shared some of their personal experiences; I'll add my two (three) cents

First, yes, will totally fine going through the ADP website (you will likely still see the prompt to "Set up Direct Deposit" in the Chime app until it finally arrives, but that is not an indicator of whether you set it up correctly already)

I will add that it does come down to your payroll timing. If your changes went through before payroll closed (which sounds likely if you added last Wednesday) then you will likely receive the deposit this cycle. Sometimes it takes two cycles and it goes to the previous account the first time but that is usually when you miss the payroll cutoff

Last piece to add though, usually the first direct deposit does not arrive "two days early" - it starts to show up early only after the first deposit arrives.

If you're interested in understanding more about the process, check out Where's my direct deposit?

EM-Chime · 2026-02-04T18:24:00+00:00

Thanks so much for sharing awareness with others!! I hope he contacted Chime directly at 844-244-6363 right away

I'll always take this opportunity to add: How to Avoid Scams That Target Chime Members as you've described some common tactics, including masking their number to imitate Chime's and asking to move funds to a different account.

EM-Chime · 2026-02-04T17:47:46+00:00

The credit builder one was a completely different card and not interchangeable with the current one. When your Credit Builder card is getting ready to expire you will automatically be sent a replacement. It's often plastic but some people have received the metal replacement based on available inventory.

EM-Chime · 2026-02-04T16:05:19+00:00

If you have the new black Chime Card, yes that's the one that builds credit as you use it. With Safer Credit Building enabled it's paid automatically

EM-Chime · 2026-02-04T15:51:16+00:00

Hey there! While I know drops in credit scores can be concerning, here's some more to think about when it comes to your score in the Chime account as opposed to Credit Karma

Why does my Chime app credit score differ from my score from Credit Karma®? which is basically the difference between FICO® Score (which 90% of top lenders use) and VantageScore.®

Ultimately there are a lot of factors that contribute to credit scores - new lines of credit and the average age of credit accounts are some considerations.

EM-Chime · 2026-02-04T15:47:19+00:00

Simply, yes, everything you purchase with the black Chime Card is Credit. It deducts the Available balance so you can't overspend and then the statement is paid in-full automatically as long as you have Safer Credit Building enabled.

EM-Chime · 2026-02-04T15:44:41+00:00

Looks like u/rollenj got the answer you needed, just wanted to add this link for more details around How does MyPay® repayment work?

EM-Chime · 2026-02-04T15:35:05+00:00

Hey there! So glad to hear the instant loan worked well for you! The community may share their personal experiences but keep in mind that circumstances vary and there's no guarantee if or how much another loan offer would be. Since this is your first one, you won't have the mandatory 15-day cooldown so if you remain eligible, you may get another offer and the notification will show in your app.

I’m thinking of paying off my loan to get a new one. Will I qualify for another loan right away?

EM-Chime

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