155 posts shown.
Nicholas Lopez29 said:If anyone out there is in a position to help me out financially, please reach out. I’m looking to clear some high-interest payday loans immediately just so I can get my credit score back up enough to qualify for a standard bank loan. I can have the money back to you within six months.
Kevin Morris12 said:It usually takes about 7 to 8 minutes.
They’ll ask if you realize the call is being recorded, and then they need you to clearly state—or confirm—which bank you're opening an account with, how you heard about them, and why you want their services. Then comes the standard stuff: your full legal name, email address, whether you're the sole user of that email, your date and place of birth, citizenship, and your Social Security number. After that, the real show begins. They’ll have you waving your hand in front of the camera just to prove you aren't some pre-recorded video. Then, they’ll ask for permission to take a photo of you, telling you to look serious and stare directly into the lens. Once that's done, you spend another two or three minutes photographing your ID while they hunt for specific security features. They might ask you to tilt it to catch the light on a watermark or a seal in the corner, or tell you to put your thumb over one letter of a state emblem so only the other shows through. They'll even have you move the card quickly toward the camera to check for holograms. To wrap it all up, they send a verification code via SMS that you have to enter into the app right there during the call, and that's pretty much it. This is basically the standard identity verification process for most major US online banks, not just Chime... it's almost identical everywhere you go. 🙂
analogjackal11 said:Everything can be in English.
Kevin Morris12 said:Yeah, totally free. 🙂
Kevin Morris12 As I've been saying, there's a certain inevitability to these things that people just refuse to grasp. It’s the same pattern, over and over again, a cycle that keeps spinning while everyone else acts surprised when the gears finally grind to a halt. You see it in the markets, you see it in the way institutions handle basic oversight, and frankly, you see it in the sheer lack of foresight displayed by most folks these days. It isn't some grand conspiracy; it's just predictable inefficiency masquerading as progress. We keep expecting a different result from the same tired systems, and then we wonder why the foundation feels so shaky. It's exhausting, really, watching the same mistakes being repackaged as "innovation" every single year.
I honestly don't give a damn about PayPal anymore. At this point, having an account there is about as significant as opening a basic Gmail address—it carries zero weight. But Affirm? That’s a completely different beast. We're talking about actual credit tied directly to your FICO score, so you can't just brush that off.
Yeah, so that initial overdraft limit sits around $250—it’s basically that baseline amount they approve fairly quickly. Now, don't expect it to just land in your lap the second you open the account; you'll likely have to run a few substantial transactions through the system first. We can only speculate on their exact internal metrics, of course, but that seems to be the drill. It's all tied into getting access to your Chime Maestro card, too. That feature stays locked away until you've moved enough volume using your standard Chime Mastercard.
Kevin Morris12 said:Consistently receiving deposits can definitely speed up the process of getting a higher overdraft limit, but even if you don't have steady income yet, you can likely qualify just by using the account responsibly over time. I know people who managed to land that initial $250 overdraft limit after just two months of using Chime, even without showing any significant income. I believe my colleague analogjackal11 mentioned before that he didn't have much income on his Chime account, yet they approved a nice overdraft amount for him today. I'm not entirely sure if Chime runs any Equifax checks (the American version of FICO and other credit bureaus) before approving limits, so perhaps using an Affirm card responsibly plays a role in that too...
p.s. a quick request to the moderators to rename this thread to "Chime." Honestly, the "coming to America" part feels redundant—who knows when it’ll actually expand further across the States? 😁
Joseph Turner36 said:Since you clearly have access to all those different platforms, which one do you actually think has the best interface? Like, what makes one stand out from the rest in your opinion?
James Kern2 said:Can you just... if you can actually remember... tell me what the next step is? Once I select "transfer to another device" on my current phone, I get some kind of code to type into the new one... what comes after that?
James Kern2 said:I’m probably going to have to move some funds over because I need to fix my iPhone
I see this option in my banking app about transferring to a new device... does that actually work? I remember it being a total nightmare last time and I ended up having to drive all the way down to my Chase branch just to get it sorted out...
John Gray2 said:So, I’ve got one of those family banking plans. My husband can see my account on his app, and I can see his, too—everything is linked up perfectly. But I just downloaded the mobile app on my own phone, and for some reason, all I can see is my own individual account. It’s not showing the shared access at all.
Is there any way he could use my phone number to get my side of the app activated? Basically, would it be possible for two different users to have their accounts tied to the exact same phone number?
Thanks so much!
John Gray2 said:So, I’ve got one of those family banking plans. My husband can see my account on his app, and I can see his, too—everything is linked up perfectly. But I just downloaded the mobile app on my own phone, and for some reason, all I can see is my own individual account. It’s not showing the shared access at all.
Is there any way he could use my phone number to get my side of the app activated? Basically, would it be possible for two different users to have their accounts tied to the exact same phone number?
Thanks so much!
Bryan Gray6 said:Well, I went ahead and filled everything out online again, and they told me someone would be getting in touch soon. I suppose I’m bracing myself for another rejection, but I might as well give it a shot, I guess...
So, it seems the only reason they gave was because I hit a certain limit.
granitesailor25 said:So wait, am I basically setting those $5000 up as revolving credit on the JPMorgan Chase site even if I actually grabbed them through a Cookie, is that how it works?
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granitesailor25 said:Hey there,
Has anyone here actually used a Mastercard Walmart card before? I’m pretty sure my application is gonna get the green light, $5000 but I was wondering—once that credit kicks in, can I just go ahead and pull the whole amount out from a Chase ATM, or is there some kind of daily cap on how much cash I can grab at once?
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Bryan Gray6 said:It looks like I’m not going to be able to get this loan sorted out, so I was wondering if there's any kind of card I could apply for right now and actually get approved for immediately?
I currently have a Diners Club and a Visa from Chase.
Thanks