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金钱与保险

Chime

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关于 Chime

数据更新
网站
www.chime.com
分类
金钱与保险
所在地
美国
状态
待认证
近 12 个月
176 条评价
差评回复率
79%(52/66 条)
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商家自述

一家金融科技公司,可帮助您通过信贷工具、提前付款²以及免月租费来实现财务进步。 无隐藏费用 无月租费、透支费1或最低余额要求。 提前获得付款 通过直接存款² 最多可以提前 2 天领取您的薪水支票,或者通过 MyPay³ 在发薪日之前获得最多 500 美元。 更智能的支出和储蓄 通过 SpotMe⁴ 透支覆盖范围高达 200 美元,自动增加储蓄,并使用 47,000 多台免费 ATM 机⁵。 安全地建立信用 使用安全 Chime Visa® 信用卡⁶ — 无需信用检查。 银行业务变得简单易用的应用程序、实时警报和友好的支持。 Chime 帮助您掌控您的资金。 1 可选服务和产品可能会产生费用或收费。 ² 提前获得直接存款资金取决于付款人 ³ 符合资格要求。并非所有用户都有资格。 MyPay® 信用额度范围为 20 美元至 500 美元。 ⁴ SpotMe® 资格要求适用。透支仅适用于借记卡交易和现金提取。限额范围为 20 美元至 200 美元。需要 Chime® 支票账户。 ⁵ 网外 ATM 取款和柜台预付款可能会收取费用。 ⁶ 担保 Chime Visa® 信用卡由 The Bancorp Bank, N.A. 或 Stride Bank, N.A. 根据 Visa U.S.A. Inc. 的许可发行,可在接受 Visa 信用卡的任何地方使用。

以上内容由商家自行提供,未经平台核实。

Chime靠谱吗?

Chime(www.chime.com)在 OK.one 的综合评分为 3.4 分(满分 5 分),基于本站收录的 176 条用户评价,属于金钱与保险分类,口碑一般。评价两极分化:58% 给出 4 星及以上,同时 33% 打了 1 星;商家回复了 79% 的差评;评价主要围绕客户服务、应用、使用体验。数据最后更新于 2026-08-11。

评价综述

AI 生成

大多数评论者对他们的整体体验都有些满意。消费者经常提到该移动应用程序非常用户友好,并且易于导航以满足日常财务需求。人们确实很欣赏一些有益的功能,例如提前接收直接存款、预支工资以及利用透支保护。 然而,一些客户也指出,客户服务代表在尝试解决问题时毫无帮助且难以理解。其他人提到了有关被拒绝的欺诈纠纷、意外的帐户突然关闭和突然的费用等负面经历。一些用户对极长的电话等待时间和发生未经授权的交易时的支持不足表示沮丧。

本段由 AI 基于该企业的全部评价自动归纳,仅供参考,不代表平台立场。

用户怎么说

有史以来最糟糕的应用程序

有史以来最糟糕的应用程序。我现在正在和一个律师说话..他们玩弄人们的钱太多了......有人偷了我的卡和手机,花掉并寄出了我的大部分钱,当然,该死的屁股铃声在一天之内否认了所有争议,甚至没有调查或实际调查。.有史以来最糟糕的fu(k!ng银行应用程序..我将关闭那个该死的fu(k!ng银行应用程序,并提起诉讼,现在是一份警方报告。弱屁股应用程序,我很生气,我几乎输了骗子骗了 1000 美元,无用的混蛋拒绝做任何事情,远离 CHIME。

Chime 回复2026-07-24

Hi there, Dealing with lost funds from a stolen card and phone, especially with a denied dispute, can be incredibly frustrating, and we would like to turn this around for you. If you have new information that was not included in your previous disputes, it could be very helpful for a reinvestigation. Items such as police reports, hospitalization or prison records, timesheets, purchase receipts, and travel or GPS proof of location (like flight tickets and reservations) can help us file a new claim for you. Once you have this information, you can definitely get in touch with our Member Services team again through the app or at 1 (844) 244-6363 so they can take a closer look internally and assist you thoroughly. - The Chime Team

我从 2023 年开始使用时间,我没有……

我从 2023 年开始使用时间,我不想去实体银行,因为我厌倦了他们收取服务费和所有这些东西。有人向我介绍了 chime,并向我发送了我注册的链接。大约 3 周后,我得到了 chime 借记卡,我注册了信用建设者卡,我的信用评分非常低,只有 400 左右,不到一年,我就能够购买一辆新车,因为我的信用评分上升了。我曾被人黑过我的借记卡和信用建设者卡,话虽这么说,chime 已经处理好了每一点,并在我打电话给他们后立即将钱退回到我的帐户上。然后他们转身解决了这个问题,我从来没有遇到过铃声问题,而且我也没有预见到铃声会出现问题。如果你没有值得信赖的银行,我建议 Chime,但嘿,这是你的钱,哈哈

Chime 回复2026-07-23

Hi Christine, We’re happy to hear Credit Builder has supported your progress and that you had a good experience with Chime support. Thanks for the feedback - The Chime Team

这家银行不保护你的钱

这家银行不保护您的资金。我有一笔超过 200 美元的欺诈交易。当我收到通知时,我立即给他们打电话,他们告诉我关闭该卡并提出争议。他们两次否认了我的争议……如果你不介意赔钱,那就选择 CHIME。如果你珍视你努力工作所获得的东西,那就别管他们了。

Chime 回复2026-07-23

Hi Deanna, We hear you, and we understand how frustrating this denial must be. We would greatly appreciate the chance to review your case again. Please reach out to us right in the app or give our Member Services team a call at 1-844-244-6363. Also, to help us reopen and re-examine your claim, sending over any official paperwork that shows you didn't make the charge is incredibly powerful. Here are some of the most helpful things you can gather to back up your appeal: • A copy of a police report if you filed a formal notice about the fraud. • Medical or official records that show you were physically somewhere else entirely. • Timesheets from work confirming you were clocked in when the charge happened. • Receipts or store screenshots proving you were making a purchase at a different location. • Travel details like flight tickets, hotel bookings, or GPS timelines that show you were away. - The Chime Team

价格线和提示音

价格线和提示音 7 月 1 日,我通过 Priceline 预订并支付了酒店费用。当我到达酒店时,我被告知他们已经订满了,无法兑现我的预订。酒店告诉我他们会退还我的钱,但一周后,酒店和 Priceline 都没有退款。 因为我还没有收到钱,所以我通过Chime(我用来支付酒店费用的应用程序)提出了争议。我提供了我支付预订费用的证明。我被告知争议代表所需要做的就是联系酒店以确认我已经支付了房间费用但从未收到过房间,但我的争议仍然被拒绝。 然后我支付了另一家酒店的费用,但当我到达时,我也无法在那儿租到房间。他们还告诉我,Priceline所要做的就是联系酒店以确认我已经付款但没有得到服务,我的钱应该退还。 截至今天,即 7 月 22 日,我对第一家酒店的争议已被驳回,我仍损失 150 美元。

Chime 回复2026-07-23

Hi Casey, We understand your frustration with our dispute decision, especially after doing everything right on your end. If you have new documentation—such as merchant communication regarding the status of the service and the reason why they failed to provide the service—we can initiate a reinvestigation for you. Another quick option is to contact the merchant. Sharing your proof and explaining the situation can often lead to a faster refund or alternative solution straight from them. Whenever you are ready, get in contact with us again at 1 (844) 244-6363 or in the app. Our Member Services team is standing by 24/7 and would be happy to address any concerns you have. - The Chime Team

一方面,我认为这是钱……

一方面,我认为这是一家洗钱公司,我的钱汇到了我的 chime 账户,但从未进入我的银行账户,只是钱进了我的账户,迟到了,洗钱公司认为这家公司是一个大骗局,我不会代表谁会处理这个 chime 业务。

Chime 回复2026-07-23

Hi Maurice, Thanks for taking the time to share feedback with us. We always strive to provide a great experience, and we're sorry to hear that your most recent experience didn't live up to this standard. Our team would be happy to take a look into what’s going on. We recommend you to get in touch with us in the app, or at 1(844) 244-6363. We hope we can continue to earn your business and appreciate the opportunity to address your feedback. - The Chime Team

Chime保留我的退款并拒绝解决纠纷

我的 chime 账户上的钱被偷了两次。 Chime什么也没做,他们不联系你,问你发生了什么事,或者什么也没做。 他们等待商家退款,然后就表现得好像他们从未收到退款一样。他们自己进行调查,从不询问任何事情。那是因为当公司退款时,他们会保留这笔钱,并表现得好像他们从未收到过任何东西一样,所有这些公司都没有撒谎。我的索赔被拒绝,人们实际上偷了我的钱,他们什么也没做。你可以与主管交谈,他们的客户支持这很糟糕。还没有进行真正的调查,人们一直在盗取我的帐户,但他们什么也没做。 Uber 刚刚在同一次乘车中向我收取了 40 美元的费用,但他们什么也没做。 Uber 说他们退了钱,但 chime 从来没有把钱存入我的账户。然后,如果他们真的发放信用卡,那是几周后的事,所以如果你有账单要付或者有什么事情你搞砸了。他们不会为客户而战,他们会拿走你的钱,当你的钱被偷时他们也不在乎。我刚刚被门冲撞骗走了我的钱,我什么也没得到。说他们退款了,但现在我再也没有收到 Uber 说的同样的话。 Chime 让人们退款,却让他们没有钱存入你的账户,他们责怪商家。他们将拒绝您的索赔并保留您的退款。门破折号做了退款铃声却从未退还。现在优步说他们退款了,但也没有退款。因此,发生任何情况并且您需要退款时,不要指望能得到退款。他们不会处理您的任何索赔,chime 是一个骗局,我已经结束了,并完成了 chime。人们如何向我退回退款,而你们却保留了钱。每个人都没有说谎,我有两家不同的公司说他们退回了退款,但我的帐户没有任何东西。CHIME 是一个骗局,他们像其他人一样偷你的钱。

Chime 回复2026-07-23

Hi Gary, We understand how frustrating dealing with a dispute can be, and we want to help guide you through what happens next with your claim. We encourage you to get in touch with us again at 1 (844) 244-6363 or via the app if you’d like us to investigate this again. To help with this, we’d also encourage you to prepare the following details ahead of calling if you have them: 1. Receipts or invoices. 2. Information about delivery and shipping. 3. Confirmation email(s). 4. Tracking number(s). 5. Recorded conversations between you and the merchant regarding the order. 6. The item description on the merchant's website, including the link. 7. Evidence that the price you paid differs from the listed price. 8. A request to cancel or stop the transaction in writing. Here is additional information about filing a dispute that might help in the meantime: https://help.chime.com/how-do-i-dispute-a-charge-on-my-card-5f509ad2 - The Chime Team

我爱我的钟声

我爱我的铃声! mypay 很容易派上用场,安全措施也很棒。它是用户友好的,任何人都可以通过它进行操作。甚至转账也非常容易。我喜欢这里!

Chime 回复2026-07-23

Hi Krystal, Thanks for being part of Chime. We’re happy our tools and features have supported your financial needs. - The Chime Team

我喜欢我早点拿到钱

我喜欢早点拿到钱。安全性非常好,让我避免了一些糟糕的购买。每当我遇到问题时,它都会很快得到解决。 我与 Chime 的接触比其他任何卡公司都多

Chime 回复2026-07-22

Hi Marcelina, Thanks for being part of Chime. We’re happy our tools and features have supported your financial needs. - The Chime Team

从第一天起,HSD 就一直是……

从第一天开始,HSD 就一直在我身边,当我需要到下一个发薪日时,它对发现我和我的薪资计划很有帮助,而且它们似乎永远不会离线,我使用 Chime 直接存款来获取我的每月福利,他们提前付款,从未错过过它

Chime 回复2026-07-22

Hi Mike, thanks for being part of Chime. We’re happy our tools and features have supported your financial needs. -The Chime Team

我用 chime 建立了一个帐户...

我按照要求在 Chime 上建立了一个直接存款账户,Chime 告诉我,在激活我的实体卡(没有通过邮件发送)后,我将获得推荐奖金。 Chime 给我发电子邮件说卡已退回,现在他们拒绝我的推荐奖金,说我没有激活我的卡。我如何激活我没有收到的卡? Chime是一个骗子,一个骗子。请不要使用铃声😢

Chime 回复2026-07-22

Hi Valia, We understand your frustration regarding your referral bonus and want to ensure this is thoroughly reviewed. For your account security and privacy, we do not access or discuss specific member details on this platform. Please reach out to us directly in the app or at 1-844-244-6363 so our team can assist you further. - The Chime Team

我不喜欢铃声

我不喜欢铃声。我在处理铃声方面损失了很多钱。我可以做你要求我做的一切,但仍然无法拿回我的钱吗?但如果我想换另一家银行,无论有什么争议,他们都会把钱退给我。当我没有刷卡也没有刷卡进行购买时。 他们从来没有意识到这是我从未谈论过的问题。然后最重要的是。当你还没有解决问题时,他们总是无缘无故地取消你的卡

Chime 回复2026-07-22

Hi Latrice, We completely understand your frustration regarding your dispute being denied, and we truly want to help. Please call us at 1-844-244-6363 so we can dive back in and assist you with a re-investigation. Before calling, please prepare any available documentation, such as: 1. Police reports 2. Hospitalization or prison records 3. Timesheets 4. Travel/GPS screenshots or proof of location (flight tickets, reservations, etc.) Here is additional information about filing a dispute that might help in the meantime: https://help.chime.com/how-do-i-dispute-a-charge-on-my-card-5f509ad2 - The Chime Team

没有帮助,只有愚蠢无助的机器人,而我的钱却不见了

当我的账户被骗子毁掉时,我完全没有得到任何帮助,因为一切都是自动化的,只有聊天机器人和人工智能,我仍然没有得到任何帮助,所以我想我会寻找另一家银行。 Chime,这是非常严重的,你需要明白,当人们用他们的钱、他们的生命信任你时,你不会让他们绝望地自生自灭,而你却什么都不做。你需要雇用更多的人并获得更好的帮助,你需要消除人工智能聊天机器人的垃圾。你需要做得更好,否则你不值得任何人的资金,我将确保尽可能多的人知道,在我寻找其他选择时,在你的银行里存钱实际上是危险的。客户服务差?没有客户服务! 在这里回复Chime:你不认为我已经尝试过、失败过、尝试过、失败过无数次了吗?通过给我相同的非工作人工智能机器人号码,你基本上是在告诉我去踢砖块。难以置信,你们已经受够了再动用我的钱了

Chime 回复2026-07-22

Hi Chasady, We completely understand your frustration. Discovering that your account was cleared out by a scammer is very concerning, and feeling trapped in a loop of automated chatbots when you need human assistance can make an already stressful situation feel even more overwhelming. We take these reports very seriously and would like to help you resolve this as quickly as possible. Our Member Services team specializes in these cases and is ready to assist. Please contact them at 1(844) 244-6363 to discuss the specifics of your account. In the meantime, here are a few more tips to help you stay safe from fraud and scams: www.chime.com/blog/6-tips… - The Chime Team

为什么 Chime 是最好的

多年来我一直信任 Chime 作为我的主要银行。为什么?因为他们付钱给我!其他银行拿走我的钱。这个要收费,那个要收费。 Chime 实际上付钱给我是为了保证我的资金安全。更不用说,自从我改用 Chime 以来,我从未被黑客攻击过。

Chime 回复2026-07-22

Hi Shayna, Thanks for being a longtime member. We really appreciate the review and your continued trust in Chime. - The Chime Team

我已经使用 chime 超过 4 年了

我在 chime 工作了 4 年多了,7 月 16 日我成为了欺诈的受害者。我提交了我正在进行视频通话的证据,我的工作代表我写了一封信,我提交了电子邮件,显示我的帐户已被盗用并显示尝试登录,我一意识到就报告了欺诈行为,我向他们展示了有人如何关闭我的 chime 储蓄帐户以及信用建设者帐户。 3次争议后,他们继续拒绝,一切都不重要了。我向身份盗窃政府和 CFPB 提交了投诉,但他们仍然拒绝了。我的全部支票都从我的账户上扣除了,而 Chime 根本不在乎。他们没有同情心,也没有调查所有争议,并在 24 小时内解决,也没有拒绝的真正原因。尽管我的账户历史记录显示我从未进行过如此规模的交易。他们不在乎我的钱没了。我从商家那里得到证据,说钱被转移到另一家不属于我的银行,但他们仍然没有采取任何行动。作为单身母亲工作两周来养家糊口后,他们认真地告诉我,我的账户中可能发生任何事情,但他们不对任何事情负责。他们不会给予积分,也不会退还我的钱。这对我和他们在一起这么多年来说是一记耳光。我要找律师寻求帮助,因为我被抢劫了,而我自己的银行不会帮助我。不要用 chime 银行,我会寻找一家更安全的银行来保护我免受诈骗。

Chime 回复2026-07-22

Hi Joanelys, Thanks for taking the time to share feedback with us. We recognize how incredibly frustrating it is to have a denied dispute, especially if you have proof that the transaction was not authorized. Being a member for so long means a lot to us, and we would love the opportunity to turn your experience around. Since we can't peek into your dispute details here on social media, it is best to message us right in the app or call our support team directly at 1 (844) 244-6363 so they can review your claim immediately. Our team can also help you file for a reinvestigation if you have new information that was not included in your original dispute, such as police report, timesheets, purchase receipts, travel/GPS screenshots or proof of location. We hope we can continue to earn your business and appreciate the opportunity to address your feedback. - The Chime Team

偷了我的钱还说我欠他们更多

偷了我的钱,我提出异议,两个月后他们告诉我我欠他们更多

Chime 回复2026-07-22

Hi Olivia, We understand how frustrating this can be, and we always strive to provide a great experience. We recognize that your most recent experience didn’t live up to this standard. If you’re open to it, we’d appreciate the opportunity to look into your claim further. If you have any new information that was not included in your original dispute, you may be able to request a reinvestigation. We recommend contacting us at 1 (844) 244-6363 or through the app. Our Member Services team is available to guide you through the next steps. - The Chime Team

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