I made my third and final instant loan payment earlier this month. I saw the little message about how I'll know if I'm eligible again for another one next month, but i opened my app today after making a cash deposit and noticed i have the tile again saying I'm eligible for the instant loan now? Does this happen to people by chance or is there something off?
As you can see in the photo, the banner says $50 SpotMe bonus when you upgrade to Chime card and make a purchase. I did that and it's now been over two weeks and still no bonus. I called and a rep told me that this was independent of the direct deposit requirement. Still no luck.
Hi there! I’m a little late on paying my instant loan and now I don’t have any mypay, even though my direct deposit dropped and I paid off my old mypay. Does anyone know if I pay my instant loan payment will I get immediate access to my mypay or will I have to wait for another paycheck?
Can I use spot me on the green card and not the debit white card?? Do I need to transfer funds from white card to green card to be able to use th green card or is it automatically on any of the cards they sent me if that makes sense?? I lost my white chime debit card but need to get some things from the store and I have then green card …. Please helppppp
September 2026 SSA/SSI/VA Early Deposits Calendar
Welcome! We love that the community gathers here each month to countdown to deposit day! Here you’ll find basic information and answers to frequently asked questions about Government Benefits Timing at Chime. We encourage you to use this space to chat with other members about deposits or pose any questions you may have to the community.
If you don’t see your deposit on the expected date based on the schedule, that means we haven’t received it, and our Member Services team won’t have any further information about when it will become available. We recommend allowing three additional business days before contacting the Social Security Administration.
All deposits are posted from Monday to Friday, except for bank holidays. If your deposit shows up on a bank holiday, it'll post the following business day.
Join us on Discord too in the #ssa-ssi-va-ssdi channel - https://www.discord.gg/chimefinancial
I know this topic has been done TO DEATH, but I still can't find an answer to my question. So I have had a white debit card (which expires in October btw) and i saw the offer on the app for the new chime (or is it prime?) card...I assumed it was just a replacement for my soon to be expired debit card so I ordered it, and it just arrived. Its the green card. The letter that came with it said nothing about whether its a credit or debit card, etc. So I'm wondering 1) Is it a debit or credit card? 2) If it is a credit card, is there already a line of credit on it? 3) Is my white debit card still active, and will I still need to order a new one since it's expiring soon? Thank you
Okay so i made a mistake of making my debit card as a default for charging stations for my EV. Normally when I charge my car it puts a 51$ hold.
My credit builder card after charging the hold will update and so will my actual balance.
HOWEVER
with my debit card its been 2 weeks the hold price updated but the actual balance never did, I’m still charged 51$ even tho the final transaction receipt updated.
This is actually ridiculous how much longer do i need to wait. i went on a 20hr roadtrip and im expecting 300$ back due to the price differential
I was wondering I have a dispute for $420 cause the people I bought a product from and had a warrantee on ditch out of the US. So I can’t fulfill the warranty and the bike is broke so I can’t use it. Anyways I remember the last 2 disputes I had to do a few years ago came back to me in 10 business days and they went on to investigate and I won the dispute after 90 days. Do they still do that?
My $300 is gone. I know I can get another MyPay loan to replace it, but I'd either need to pay a fee or wait up to 24 hours for no fee. Even though I've had my direct deposit come on the same day and from the same company every week for over a year, Chime thinks a much smaller ACH deposit from a credit union is suddenly my new paycheck. Both an agent and a supervisor told me "tough luck try just depositing cash next time" because the system can't differentiate a bank transfer and a direct deposit. I work at a competitor of Chime's and we absolutely can see if an ACH deposit is from an employer payroll or a bank. Anyway, I'm going to stick to using my other bank for ACH deposits from now on since I can't risk Chime grabbing my money before it's due.
I'm unsure what to do, last week my new job gave me a paper check because my trainer didn't submit my DD info in time. Had trouble with that because I lost my id so I finally decided to use chime since I could find anywhere to cash it. Didn't think it'd be an issue, I've gotten direct deposits to chime for years.
Wrong, woke up trying to check my account for the check so I could get school clothes and food, red bar that says your account is closed. I check my email and see an email saying the check is cleared and 3 mins after that an account closure , violated terms and services. They'll mail out a check in 14 business days minimum. I'm so frustrated and in tears I haven't even called yet. I genuinely don't know how to go about this , I don't do anything illegal I pay bills through chime besides cash app it's my most used cards and I've never had it on more than one device at a time except a brief period months ago where my phone screen was broken. I'm at a complete loss on what to do like completely I have no money I already live paycheck to paycheck .
Has ANYONE gone through something similar
I've been upgraded to Chime prime and I've thought about getting the card. But I'm not sure if it's a credit or debit card? Does it replace your original debit card? I don't want to do that it's connected to all my accounts/auto pay etc. Plus I already have a Discover card with 5% cash back, although only for certain things per quarter. Is the Chime card different than that? Is it worth it?
One of my FAVORITE features that Chime offers is the Credit Builder account with a separate balance. I can take $ from my paycheck in my checking account and put it into my Credit Builder for gas/groceries/takeout, and then funnel bills through my checking account without having to watch the balance while waiting for bills to process so that nothing has a chance of bouncing. They're completely separate and it's a great way to track my budget.
Everything about the new Chime Card sounds incredible, however, it combines both balance into one, and I'm trying to figure out how that is a benefit for anyone. I love the idea of the extra perks, and I love the idea of using 1 card for everything (run as credit for CB or debit for Checking) but I just can't commit to the single pool.
For people like me, what are some ideas to manage this? Can you put a credit builder limit or something? It's such an odd concept to wrap my head around. Thanks!
What are your thoughts on the new investment portfolios that Chime recently introduced? I already have a well-established 401k stock investing portfolio, but I thought it wouldn’t hurt to add another $25 to my Chime portfolio each week.
I haven't seen anything about the metal cards in so long. I don't even see the option to buy them anymore, is that still a thing?
I was offered a $1,000 Instant Loan, which allowed six months to pay off. I was late a few times towards the end because my Instant Loan Autopay being shut off, but Chime pulled the payments automatically after being 90 days past due. That wad my 3rd Instant Loan. My previous two Instant Loans were each $500. Those two were both paid off earlier than the three month repayment timeline.
I’m Chime Prime due to my being paid in excess of $3,000 over 34 days.
My MyPay (once my 3rd Instant Loan was repaid in full) is currently at $300, with SpotMe of $75.
I know there’s a 15 day cooldown after the 3rd Instant Loan, and I was told that it wouldn’t be reevaluated for a 4th Instant Loan until my next DD, which is this Sunday the 23rd.
Has anyone that was previously late/delinquent on their prior 3rd Instant Loan get offered their 4th Instant Loan 30+ days after (or however many days after, come the time of their next DD), and if so, was the offer for the 4th Instant Loan higher or lower than their 3rd?
Thanks in advance to those who’ve experienced an Instant Loan delinquency who were still offered Instant Loans after repaying in full!
I'm asking because I'm planning to put $500 to $700 on both of them. How much money have you had on both of your cards at one time? What is the best way to protect your account from hackers/fraud? I want to make sure that I can protect my money and keep my account as safe and as secure as possible. The fact that people are people are getting their money stolen constantly is really scary and makes me terrified to put money in my account.
So I received the black card and tried to activate it on the app but it won’t let me. Message says “something went wrong etc”. The app shows the old cvv and expiration number yet the pic of the card is black. I’ve tried inputting the new cvv number and won’t work. Anybody else have or has this problem. And trying to get somebody at Chime who does more than read from a script is impossible.
This is my first direct deposit, and just started working at the job, when could I expect my deposit to come in my payday is this Friday 08/21
SpotMe Boosts* are a way for Chime members to help each other by temporarily increasing their SpotMe^(#) limits. When you send a Boost to another Chime member, you add $5 to their SpotMe limit, which expires at 11:59 pm on the last day of that month.
Exchange Boost for Boost (B4B) to find a buddy to trade with or offer your extra boosts if you don’t need one in return.
Join us on Discord too for easy boosting real-time! https://www.discord.gg/chimefinancial
Want to display your $ChimeSign for easy copying and sharing? Add it to your User Flair!
More information is available on the How do I get user flair? page of the Reddit Help Center.
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*Boosts are available to eligible Chime members enrolled in SpotMe® and are subject to monthly limits.
#SpotMe® eligibility requirements and limits apply. Overdraft only applies to debit and credit card transactions and cash withdrawals. Limits range from $20-$200. Chime® Checking Account required.
Had an issue last week and customer service is basically useless. I try with the chat bot, and it misunderstands what I’m needing and then tells me I need to do a phone call instead. Support over the phone is difficult to understand, and basically no help. I want to use either chat or email so there’s a record of the conversation but of course they’ve made that pretty much impossible. I’ve always liked the convenience and lack of fees with chime but I’m about to close my account altogether and find a new bank since they refuse to assist in resolving a situation that led to me being out $400.
