Wall of love for Email: Member Stories - Credit Builder

The credit builder card, has changed my life. In more ways than one. I logged into my credit accounts yesterday. I’ve increase 67 points!! About 3 months ago I transferred all my funds to credit builder and started using that instead of my regular debit card. I saw the emails coming in my credit score had increased 2-4 points I wasn’t really paying too much attention to it. Imagine my surprise when I logged in and it had jumped to a new level. No more feeling bad about myself since we live in a world of credit and credit scores. I can actually hold my head a little higher and not be ashamed anymore. What I do know is all of a sudden you will get approval letters from personal loan companies. It can be tempting, as long as you know you can 1000 percent with no doubt in your mind make those payments. Then politely ignore until you know you can. The reason I say this is because if you do take out one of these offer loans and you don’t make your payment all that hard work of using your card and getting companies to recognize that you are a responsible credit having fancy independent possibly millennial like me adult. Will fly right out the window, the possibly more than likely baby boomers in charge of these said lines of credit will label you once again the “usual irresponsible millennial.” Which I don’t know about y’all but I’m getting really tired of hearing about how pathetic it is. I try to tell them about Chime, can raise your credit score and change your life. They laugh in my face. “The only way to build your credit is the traditional way taking out loans and credit cards or buying things and making your payments on time. There’s no way that’s possible. It has to be a scam. You will see Janna, then you will be crying to me about it.” Update: That was almost 3 years ago. As far as I know I’ve had credit builder for as long as it’s been around. It’s not a scam, it is a big responsibility because if COVID left you in a bad place and you need extra help, it will allow you to get said help, but remember what I said, only if you can afford it. I will never ever again allow these people to look down upon me because I don’t make smart credit decisions “just like they KNEW I WOULD”. With Chime backing me up, there is no telling what my future holds. A salon is what I’m hoping for, something that I never thought possible has made a step into the realm of possibilities. ONLY because no matter how bad I wanted to get my truck fixed, or how bad I wanted to get my kids the most memorable Christmas ever, (even though the last 11 were memorable.) I have to stay on track. Save as much as possible in my chime savings. So that I can have MY DREAM!! The reason we’re Americans!! Remember!?? The day I open that front door, that extremely large front door to my salon. People flood in everywhere, including my children, and the look of proudness on their faces. That I finally made it to where I wanted to be after a pandemic and losing a father to COVID-19. Those moments are what life is about. According to google over 100,000 salons never reopened after the pandemic. It’s still a state of emergency but no one is talking about it. All these stylists are still here licensed looking for a place to work. All the salons are either full or empty and won’t hire? I don’t know about you but I want my life back. So I’m going to take it back. The way I’m going to do that starts right here. With credit builder. Yes, you will see other companies starting a sector of business that says they do the same thing. I actually went on the other side of things and called the credit companies myself this is legit they have been in the game the longest I also have the proof that it works. They have done something really amazing here. Whoever came up with this is genius. I’m sure they are living their best life right about now! 😇 It takes a few minutes to sign up. Especially if you already have an account. If you know you had a chime account in the past but can’t remember your login information just give them a call or shoot them an email they will fix you up. The reason I say this is because if you had an account in the past and try to open a new one, it will kick out your information, and say there’s a security problem. So if you even think you might have signed up long ago go through all your email addresses and search Chime and see if you ever received an email from them, then check to see what email account that was. Then give them a call. You won’t regret it.

Chime has been a life saver! My credit score has increased drastically from using there credit builder card, the “spot me” option is a lifesaver when you need it. I travel to different countries and never half to worry when using my card. Overall Chime has made banking easy for my family and I.

No story to tell yet. But I’ll tell you this, chime just KEEPS GETTING BETTER! If you haven’t done it yet DO IT NOW 😂🤣😂

I just wanted to tell everyone how chime has basically raised my credit score and saved my life, I never really cared about my credit or thought too much about it and I'm 55 years old and my credit was around 540 about a year ago and I opened a chime bank account and then received the chime credit building card, within a couple months my credit finally got up into the low 600s and I was finally approved for a $300 credit limit regular credit card which then increased my credit even more and I kept on using my chime credit builder card and I would use my $300 limit regular credit card and pay it off right away and finally got my credit up to 679 and was then approved for a $1,000 credit card limit through Capital One and all this within that year's time that I got my chime credit builder card and just last week on July 13, 2021 I was able to get financed for a newer car, a 2017 Mitsubishi mirage in mint condition.. First time in my life that I've ever been able to do anything like that and I am so happy and so grateful to chime for the credit builder card because I had a stroke and without a car I'm pretty much helpless... Thank you so much chime, you help me out so much and I never thought I could ever get approved for anything... You have no idea how much I appreciate your credit builder card and your help

My experience with Chime has been outstanding. When I signed up for the Credit Builder account I was qued somewhere in the 300,000th person in line, but it was only a month and a half till I was accepted. Shortly after I got my Credit Builder card I was offered a metal card and got one and I love showing it off or handing it to anyone cuz the weight is heavy for a bank card. After my first full month of using my Credit Builder card it did just that, it built my credit and did it fast too. I never have had a credit score higher than 595 and never cared as I have never understood credit in general other than it was something that was not available to me. Now after checking today, one of my scores is 700. And that's due only and exclusively from my Credit Builder account I have with Chime. I understand credit a little bit better now, but still would love more knowledge about this. I have tried to get several things that require a decent credit score and got turned down, but one day soon I will read the word approved on something that is unsecured. Chime is definitely helping me to reach my financial goals. I was leary in an online bank that has no brick and mortar locations, but I have not had any problems as of yet. I would suggest to anyone in any tax bracket to get a Chime account to restore or maintain their credit score and have the freedom from having to go through the drive through line at the bank every Friday.