Can I use SpotMe® with Credit Builder?

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 when you use 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, applicable to both purchases and ATM withdrawals.

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

Frequently asked questions

What should I know about using SpotMe with both my debit card and Credit Builder card?

To manage the accounts you use for SpotMe, go to the SpotMe section of your app settings and toggle between your debit or Credit Builder card. You can also turn off the feature. Remember, before you can use SpotMe with either your debit or Credit Builder card, you must enroll through the app steps for each account. Your SpotMe limit will then be available for use with either card.

Will using SpotMe with my Credit Builder card affect my credit scores?

No. Using SpotMe to cover transactions with your Credit Builder card does not impact your credit scores or affect credit reporting. Please note, for Credit Builder, on-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.

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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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