Is Chime considered a debit or a credit card?

Chime offers a Visa debit card, which is connected to a Chime Spending Account. It operates like a traditional debit card, allowing users to make purchases using the funds available in their account. Unlike credit cards, which provide a line of credit that users can borrow against and pay back with interest, Chime's debit card deducts money directly from the account balance for transactions. Therefore, it should be considered a debit card, not a credit card.