Building Credit with Current and Chime Credit!

 Let me just say, I was hesitant about this. I was not so sure about this because I heard rumors and truthfully they were all wrong. Chime and Current is a great way to help boost your credit without having to get a credit card. 

Yes, they both report to your credit and each time you use it, it will end up boosting your credit so many points.

 Unlike credit cards, you are using your own hard working money that you do not have to pay back nor have a monthly fee or charge on. It just brings you interest to your credit score making it rise.

In Chime, the credit builder is attached to the account you just go in and request a credit building card and you one. Each time you move money to it, it allows you to spend it and it will help boost your credit no matter what purchase it is. 

With current, you have to put  $100 first and then you can go in with micro transactions but in the long run this will also help you with building it also. These both go great hand in hand because you can double boost your credit without even having to have a credit card. 

I highly recommend this. Oh, don't worry you can also put your direct deposit on them and it will help even more. You also get perks and can get cash back on certain purchases from stores which is a win win and I highly recommend it. 

Join Current here! 

Join Chime here!  

Hidden Fees Branch Banking

 

Banks, banks a good because they are in person and you can go there if you have any problems but the problem with an actual bank is that they make you sign all kinds of paperwork stating that there is no this or that or overdraft fees because you sign the overdraft protection but yet, when you get paid and try to move money to a banking platform but accidentally hitting the wrong amount button and then you find out that the overdraft protection is on and now your in trouble because you thought the overdraft protection is on but it is not and then they add the bank privilege on top of it and now you owe even more than you expected mind you the overdraft fee is $32+ dollars but you signed a paper and the paper does not matter so now you are $32 in the hole because you were trying to keep the account active by sending money to it.

 

This happened to me and it was not suppose to. I hopped in an chat on the bank asking what is this and why is it like this and they told me I'm opted in to bank privileges and overdraft protection even though I signed the paper, I had to manually go into the banking app and turn it off. No one has said anything about this when I went to the branch because I signed the paper that was suppose to turn it off but apparently opting out on paper did not transfer over into their system and still getting hit left and right because I thought they fixed it for me but no, they did not.

This is why I only bank on online banks. I got tired of the hidden fees and being done every which way. Yes, it was good to have an actual branch to go to but in the end, it is a problem dealing with it and then being lied to and having all these hidden fees that you did not see coming. 

Chime has never let me down, I do not have to worry about hidden fees, I use it every month and or when I get paid from my jobs. I love it because it is easy to use, I have a spot me overdraft in which friends that uses chime boosts me every month and my limit rises. They also have a loan process called my pay you can get once you have had so many direct deposits. 

 This to me is so much better than the branch bank because every time I turned around I was being overcharged and the hidden fees that they have just was not worth it not to mention the monthly fee and other things they charged for. 

Chime offers cashback and deals in which are great because who doesn't like cashback when they buy things.

I also use Paypal for one of the jobs because I get paid in pounds and USD and Paypal converts it for me and then I can use it or move it with no issues. Paypal offers cash back offers in which is a great thing. If I purchase from a website I am not sure of, I can always request a refund and I have had no issues with it. One thing for sure, I would verify my account that way it does not get closed or taken and that is how I still have mine.

If you are trying to boost your credit, Current and Chime  has a credit builder. 

Join chime here!

Join paypal here!

Join Current here!