What is Credit Builder and how can I enroll?

The secured Chime Credit Builder Visa® Credit Card can help you build credit history when you make on-time payments. It has no interest, no annual fees*, and doesn’t need a credit check to apply.

Am I eligible for Credit Builder?

To be eligible, you must have an active Chime Checking Account and receive a single qualifying direct deposit of $200 or more. This direct deposit must come from your employer, payroll provider, gig economy payer, or benefits payer as an Automated Clearing House (ACH) deposit or Original Credit Transaction (OCT).

How do I apply for Credit Builder?

After receiving a qualifying direct deposit, you can enroll in Credit Builder in your Chime app:

      1. Go to Settings.
      2. Tap Try Credit Builder.
      3. Follow the steps to enroll.

Once you’re approved, you’ll receive your card in the mail within 7 to 10 business days.

How do I use my Credit Builder card?

The first step is to move money into your Credit Builder Secured Deposit Account. To do that, follow How do I add money to my Credit Builder account?

The amount you have in your Credit Builder Secured Deposit Account equals the amount you can spend on your Credit Builder card. That is, your Credit Builder credit limit is determined by your Secured Account balance. Your SpotMe® can also cover purchases and cash withdrawals for your Credit Builder card. Know more about it in Can I use SpotMe® with Credit Builder?

*Out-of-network ATM withdrawals and over-the-counter fees may apply. Read our Chime Credit Card Agreement for details.

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Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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