The first step is to move money into your Credit Builder secured account. Once you’re approved, you’ll receive your card in the mail within 7 to 10 business days. 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).Īfter receiving a qualifying direct deposit, you can enroll in Credit Builder in your Chime app: To be eligible, you must have a Chime Checking Account and receive a single qualifying direct deposit of $200 or more. It has no interest*, no annual fees, and doesn’t need a credit check to apply.
The secured Chime Credit Builder Visa ® Credit Card can help you build credit history when you make on-time payments.
