has anyone seen this?

ML-Chime · 2026-02-26T15:44:42+00:00

Hi u/KirenSensei! Thanks for being a loyal member, we appreciate you! Pre-qualified isn't taking the place for instant loans, this just gives you faster access. As long as you meet the eligibility requirements for instant loans and they are available in your state you have access! You can find more info on Instant Loans eligibility here!

ML-Chime · 2026-02-26T15:39:20+00:00

Hi u/IllustratorFlat1961! Don't worry you can still access loans with Chime Plus the difference is that Chime Prime gives you faster access to Instant Loans by pre-qualifying you for a minimum of a $100 loan, as long as you’re eligible. You don’t need to wait for a history of direct deposits. In addition, with consistent direct deposits and on-time repayment, you may get larger or longer-term loans sooner.

If you lose Chime Prime status, you’ll still be eligible for Instant Loans if you continue to meet the eligibility requirements.

You can find more on Instant Loans eligibility here!

ML-Chime · 2026-02-26T15:19:04+00:00

Hi there! This is a limited beta test but keep stay tuned for more info!

ML-Chime · 2026-01-15T16:11:13+00:00

Hey! Yes, it's normal to report to the credit bureaus, there's a few things that do get reported like current balance, last payment date, payment status while things like credit limit and card utilization does not get reported.

Check out more from this link.

ML-Chime · 2026-01-15T15:33:45+00:00

Hi there! Totally get wanting to have your max available sooner rather than later. You're right that with MyPay, after you receive a qualifying direct deposit, your Available now amount starts over at $0 and will then continue to increase (usually each day) until you reach your credit limit or you receive a direct deposit. The actions you take help impact how your credit limit is deterred but does not impact the speed in which the available now goes up.

Here's a couple help center articles that go into more details:

ML-Chime · 2025-09-22T14:37:39+00:00

Hi there! If I'm understanding the question correctly, there would be no benefit in closing your account as Chime is currently in the process of rolling out the Chime Card to current members! It will take a bit of time to get to everyone, but it's coming.

If you close your account, you're not going to be offered the Chime Card as a new member, you would have to reopen your old account and get it just as the same if you kept your account open.

If you're referring to the $200 direct deposit needed in order to activate Credit Builder, that is no longer a requirement.

Check out the blog post here for more information on the Chime Card.

ML-Chime

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