بِسْمِ اللهِ الرَّحْمنِ الرَّحِيْم
In the Name of Allah, the Most Gracious, the Most Merciful.
It's undoubtedly a sin for you to chat with that girl. Regarding what type of sin it is, read this answer.
Think about the consequences of committing this sin in the life hereafter. What will you answer to Allah Ta'ala regarding it?
As yourself: Would you engage in this sin in front of your parents, a pious and god-fearing person or the imam of a masjid? If no, then how can you engage in it in front of Allah? Remember: Allah Ta'ala sees and hears everything that we do and say.
And Allah Ta'ala knows best
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