So far they have done everything they say they do, PLUS more! Love this card! Update. I've had SOOOOO Many problems with Chime lately!! From delayed deposits, longer than usual wait times for refunds, and EVEN LONGER for disputes!! The merchant gave me the Confirmation number for the refund and im still waiting almost 1 month later for my money! They say it can take up to 3 months! I'm going back to a Credit Union. If you have chime, use it for savings or receiving money, NEVER for purchases.