Beware! Chime credit builder card
So my account was promoting the Chime Credit Builder Card as a “Cash-back Card”. I originally seen it available after February or so and felt it was iffy and put off getting it for months. I got the card last month but don’t use it as the cash-back card prompted that the cash back feature would be available thru all the cards on the account. So both were wrong as I’ve yet to acquire any cash back even after selecting a offer then here it is 3weeks later I wake up to my credit score DROPPING over 40 points due to the “credit card” being added to my credit. All this to say it’s not a cash back card and it will only occur the cash back when using the credit builder card itself and lastly if you already have good credit don’t touch the card it will actually bring your score down. Also I did research before selecting to get it and even google stated it is Labeled a credit card but functions as a debit card. But just know it’s definitely a credit card and it can negatively impacts your credit score so just be cautious.