Legacy product: Credit Builder is a legacy Chime product. No new accounts are being opened. |
Set up automatic payments with Safer Credit Building
Safer Credit Building is an autopay feature. It uses the money in your Secured Deposit Account (SDA) to pay your Credit Builder balance in full each month. Turning it on is the easiest way to make sure you never miss a payment.
Turn on Safer Credit Building
Tap Profile > Account details.
Tap Safer Credit Building under Credit Builder card.
Tap Turn on.
Tip: Make sure your SDA has enough money each month to cover your balance. If it does not, the autopayment may not go through.
Change when Safer Credit Building pays
You can choose to pay 1 day or 10 days after your statement is issued.
Tap Profile > Account details > Credit Builder payment under Credit Builder card.
Tap Payment period, choose your timing, and tap Save.
To make a manual payment on the Chime app:
Tap Profile > Account details > Chime Builder payment > Make a payment
Select total balance or other amount
Choose how you want to pay
Enter the amount
Review payment details and selected account
Select Pay now
External bank account (ACH) - If you choose an external bank account, you will be shown your Chime Account and Routing numbers. You will need to enter that information into your external funding source to initiate a payment to Chime.
You can turn Safer Credit Building back on after your payment is complete.
Note: Your payment is overdue if it has not been paid by the due date shown on your statement. You will get an email when your statement is ready each month,
Understanding your payment activity
Card Payment from a Secured Account is a transaction you may see when Safer Credit Building is on. It means your monthly balance was paid automatically using funds already in your SDA. No new money was added to your account — it is an internal payment between your SDA and your Credit Builder card.
The transaction shows as Transfer / Credit / Completed. Your Credit Builder card balance will decrease at the same time, confirming the payment went through.
If you ever need to close your Credit Builder account, contact Chime Member Services. Pay off any negative balance before you close the account — this helps protect your credit score. Closed accounts cannot be reopened.
To contact Chime Member Services, see How do I contact Chime customer service?
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.