The card lets you allocate money toward your credit limit; you can spend only as much as you put aside. The card is basically debt-proof, but you'll have to be OK with opening a Chime account.

The $0-annual-fee card ... a Credit Card Credit cards are convenient and secure, they help build credit, they make budgeting easier, and they earn rewards. And no, you don't have to go into debt ...

Americans are spending more on credit cards and carrying bigger balances month to month, with interest rates hovering near ...