Chime Financial is a reputable, legit and safe financial technology company. They offer services like the Chime Credit Builder Visa® Credit Card, known for its transparent fees and features designed to help individuals build credit. Chime employs security measures to protect customer data and transactions, and it operates within regulatory guidelines, like the FDIC. You’ll also have access to the Chime mobile app to manage your account through online banking.

Yes, you need to make a security deposit to use the Chime Credit Builder Visa® Credit Card. The security deposit serves as collateral and determines your initial credit limit. This deposit is typically refundable when you close your Chime Credit Builder account, provided you’ve paid off any outstanding balances. Remember that it is not a prepaid card, so you’ll have revolving credit to use every month after paying your credit card balance.

Yes, you can have other financial products with Chime while having the Chime Credit Builder Visa® Credit Card. Chime offers a range of banking and financial services, including savings, checking accounts, and debit cards and to complement their credit-building card.