Chime reports the payment activity and current balance of your secured Chime Visa® Credit Card at the beginning  of each month. We also report any amount past due, payment status, and account age. This helps build your  credit history*. Having a balance is normal, and if you pay off your last statement in full, your account will be reported as current. Â
Changes to your credit score aren't guaranteed and can sometimes take weeks to appear.
*On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently  determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.