Chime Financial, headquartered in San Francisco, however, is not a bank but a fintech company.Ĭhime contracts with other financial institutions and companies to provide services. When you make charges with one of their cards, they are lending you the money. Most credit card issuers are direct lenders. To know whether the Chime credit card is right for you, understand how it works.Ĭhime vs. One of the latest products on the scene is the Chime Credit Builder Secured Visa Credit Card, which is a type of hybrid debit and credit card. Options abound, from standard secured credit cards to specialized credit union loans. These are the golden times for people who want to fix their past credit problems or establish a credit history from the beginning.
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