Page 98 - Credit Matrix: The Path to Financial Liberation Red Contract

**Hack #4: The Cash App & Chime App Money Hack -

FREE Instant Transfers and Credit Building

This hack encompasses a clever use of digital financial tools - Cash App and
Chime - to facilitate instant money transfers and enhance credit-building efforts.
It's particularly useful for those who might not have access to traditional banking
services or who seek to maximize their financial maneuverability.

**Part 1: Instant Transfers Using Cash App and Chime**

1. **Setting Up**: Ensure you have both Cash App and Chime accounts. These
platforms are widely accessible and user-friendly.

2. **Initial Transfer**: Start by linking your regular debit card to your Cash App
account. Load the desired amount into the Cash App; for example, $50.

3. **Switch to Chime Debit Card**: Replace the linked external debit card in Cash
App with your Chime debit card.

4. **Executing the Cash Out**: Cash out the $50 from Cash App, directing it to
your Chime debit card. This transfer is typically instant and free of charge.

5. **Credit Builder Utilization**: Now, you can transfer the $50 from your Chime
spending account to your Chime Credit Builder account. This balance can be
used as credit and gets reported as such, aiding in building your credit profile.
6. **Doubling the Credit Reporting**: Enhance your credit reporting by using the
Super.com credit card, linking it back to your Chime Credit Builder account. This
way, every expenditure not only utilizes the Chime Credit Builder balance but also
gets reported twice, magnifying your credit-building efforts.

**Part 2: Getting Cashback from Credit Cards**

1. **Linking Your Credit Card to Cash App**: Add your credit card to your Cash
App account. This feature allows you to send payments even if you don't have the
physical card.

2. **Executing a Transfer**: Send a payment (e.g., $50) to a trusted contact via
Cash App using your credit card. Note that there will be a small fee for sending
money using a credit card.