A few years ago I was homeless. Received a job offer. Pay is electronic only. I was telling my friend my dilemma when his daughter walked in. She tells me to get a Chime Card. I tell her I had lost my wallet and had no ID. She told me it doesn't matter.
I went online and applied. All the while waiting for the dreaded "upload image of id" page. I did not need an id and was able to get the job.
Last night I was robbed. After the incident I'm not thinking straight. It didn't occur to me to cancel my card until I started receiving purchase notices. I opened the app and canceled the card, gave reason as stolen. I didn't even think of disputing the charges because I felt that I was at fault for delaying canceling the card.
A few hours later I'm checking to see how much of SpotMe was used so that I can tell my friend how much to Chime me. What do you know, without me even asking, Chime returned all of the money from the fraudulent purchases.
Over the years I've disputed a charge or two. I've always had the dispute ruled in my favor in a timely manner.
Chime for Life.