The more fucked up thing they are doing lately is introducing lite-credit features (see SpotMe with Chime). This is actually fine in theory, as a perk, but they put it on full blast, encouraging its use, because they know 90% of their customers are unable to get a real bank account for this exact fucking reason-- spending more than they make and overdrafting their account and eating the fees. SpotMe boasts no overdraft fees up til a certain amount ($75 max) which renders it as basically a small line of credit that is paid off fully as soon as more funds hit your account, and this is exactly how they want their customers to treat it. It's really scummy to encourage people to continue living this way ($40 is the average limit, which is conveniently a purchasable amount of drugs, across the board) instead of making them cooperate and utilize their final chance to have a anal probe-free bank account in the US.
The plus side, is they now have a fake credit card called a Credit Builder. You basically transfer your money into a phantom checking account, and the amount you put in, is your "credit limit". And so then you go around opening up lines of credit on shit without having to put yourself in a situation you can't handle. Obviously if you use this intelligently you can really boost your credit score (and probably quicklt) with no risk or fees. I would imagine this is only beneficial for its customer demographic who are denied the smallest lines of credit and need to get back into a spot where they can shoot themselves in the foot again with a real credit card ASAP
