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Can I use SpotMe® with Credit Builder?

Yes, you can use SpotMe with your Chime Credit Builder Visa® Credit Card. Here’s how it works:

  • SpotMe covers purchases and cash withdrawals made with your Chime Credit Builder Visa® Credit Card up to your SpotMe limit if you're eligible and have the feature enabled in your app. 
  • If you use SpotMe with your Credit Builder card, Chime will deduct the negative balance from your next direct deposit or transfer of funds into your Credit Builder secured deposit account, whichever comes first.
  • Your SpotMe limit is shared between both your Chime Visa® Debit Card and Credit Builder card. This applies to both purchases and ATM withdrawals.

Note that using SpotMe with your Credit Builder card doesn’t affect your credit scores or credit reporting.

For more information on SpotMe, read What is SpotMe®?

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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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