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 to apply, you must have an active Chime Checking Account. 

How do I apply for Credit Builder?

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 typically 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 Deposit Account balance. Your SpotMe® can also cover transactions and cash withdrawals for your Credit Builder card. Learn more about it in Can I use SpotMe® with Credit Builder?

Do Child Tax Credit deposits make me eligible for Credit Builder?

At this time, Child Tax Credit deposits do not make you eligible for Credit Builder.

*Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

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Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

The Chime Visa® Debit Card and the secured Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see back of your Card for its issuing bank.

*Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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