Legacy product: Credit Builder is no longer available to new members. If you already have a Credit Builder account, you can keep using it. |
To spend with your Credit Builder card, you need to move money in Credit Builder, which is held in your Secured Deposit Account (SDA) first. You can transfer from your Chime Checking or Savings Account, split your direct deposit so part of each paycheck goes straight to Credit Builder, or make a cash deposit at an eligible retail partner.
To move money to in Credit Builder:
Tap Move > Transfer money.
Set From to Checking Account or Savings Account and To to Credit Builder.
Enter the amount and tap Review.
Review the details and tap Confirm Transfer.
On the web
Select Move Money at the top of the home page.
Choose your From and To accounts.
Enter the amount, select Transfer, then Confirm.
Money moves into Credit Builder, which is held in your SDA, and immediately becomes available to spend right away. To move money back out, use the same steps – just flip the From and To accounts so Credit Builder is the source.
Cash deposits: Cash first goes to your Credit Builder card account, then moves to your SDA automatically. Deposit fees may apply at retailers other than fee-free partners.
Check your balance and transactions
Your Credit Builder balance is always visible on the home screen under Accounts. Tap Credit Builder to see your available balance and recent transactions. Tap any transaction to see its category, description, and the card used.
To view a past statement:
Tap Profile > Documents > Account statements.
Tap Credit and choose a month.
You'll also receive an email at the end of each billing period with a summary of your balance.
Spending limits
Here are the limits that apply to your Credit Builder card:
Limit type | Amount |
|---|---|
Daily spending | $10,000 or your available balance, whichever is less |
Daily ATM withdrawal | $1,015 or your available balance, whichever is less |
Cash deposit per day | $3,000 daily, up to 5 deposits per day |
Cash deposit per month | $10,000 |
Secured Deposit Account maximum | $250,000 |
SpotMe on Credit Builder
If you are enrolled in SpotMe, it may cover purchases and cash withdrawals made with your Credit Builder card. SpotMe on Credit Builder is a no-interest, no-fee overdraft line of credit tied to your SDA. Your limit is based on your account history and direct deposit activity. To learn more about SpotMe, visit What is SpotMe®?