The card is basically debt-proof, but you'll have to be OK with opening a Chime account. Also note that there are no rewards or upgrade paths, and other unsecured cards you may get later won't ...

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Out-of-network ATM fees have reached an all-time high. Thankfully, there are plenty of ways to avoid paying them.

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(For non-network ATMs, there's a $2.50 fee from Chime per transaction, plus any fees the ATM owner might charge.) You can also present your debit card at any bank or credit union and ask a teller ...