Before you order and start using the Chime credit card, listen carefully to what I am going to tell you. What you think is a credit card is not exactly a credit card. The so-called Chime credit card does not work the same as any other typical bank credit card works. I mean, it doesn’t let the users' credit money and then pay back in EMIs. Chime requires users to deposit money first in a card and then spend it in installments. In other words, you spend your own money.