Won't let you spend money you don't haveCons:
Won't let you spend money you have, also will strand you
Two major issues after a year of using Chime
a) There is apparently a hard $2500/day limit on spending, but the card operates in a way where it will authorize a partial amount in the transaction that goes over, which means that while I was buying furniture from IKEA it managed to fail to cover my entire purchase and also strand me 30 minutes from home since it also ate up my entire limit for the day, forcing me to phone a friend to cover the rest
b) Woke up today and found that my account was suspended for some reason, but there was no email, no phone call, nothing until my card was declined and I couldn't log in on the app, and for some reason I couldn't even call into support since it couldn't verify any of my last 5 purchases, so once again, have to phone a friend to take me home.
Never again, this is definitely not a product ready for every day use.Jim Zhou has used this product for one year.