“One of the ways that banks have treated people the worst is the way they handle people with no credit or a history of bad credit. “Chime has done a great job of eliminating the junk fees and pain points you’d have with a bank,” Clark says. Money expert Clark Howard says utilizing this fintech company (Chime is not a bank) for this type of credit card is a much better alternative than dealing with a traditional bank. With this program, Chime is offering a Visa® credit card that helps people improve their credit histories by making on-time payments in a controlled environment.Īnd you won’t have to pay any interest or annual fees. Are you looking for a way to build or rebuild your credit in 2022? The card_name is an opportunity to avoid the high interest rates and rules often associated with traditional secured credit cards.
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