Here’s what we share with the credit bureaus:
- Amount past due – If you didn’t pay off your last statement balance in full, that unpaid amount is reported. If you paid it off, your account is reported as current.
- Payment status – Shows whether you paid your most recent statement.
- Account age – How many months you’ve had your Chime Card.
- Current balance – What you’ve spent since the last statement plus any unpaid balance.
- Last payment date – The date you made your most recent payment.
- Highest or original amount – The highest balance you carried before paying it off during the most recent period.
This information helps build your credit history* and score especially when payments are made on time.
On the other hand, some activity on your Chime Card isn’t reported, and that’s a good thing:
- Credit limit – Because Chime Card doesn’t have a pre-set limit, we don’t report one.
- Card utilization – We don’t report how much of your balance you’re using. So even if you move a high amount to Chime Card, it won’t show up as “high usage” on your credit history.
*On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.