How To Build Your Credit Score with Chime | Step-by-Step Guide |

Описание: Build credit without the stress or debt. The Chime Credit Builder Visa® Credit Card makes it easy to boost your score with no annual fees, no interest, and no credit check.

In this episode of Chime Guides, Rachel breaks down how Credit Builder works, from spending limits to FICO® score tracking. She also covers how Chime’s Safer Credit Building feature helps automate on-time payments, and how to use Experian Boost® to get credit for paying bills like phone and internet.

With Chime, you’re in control of your credit journey. Use your own money to build credit, track your score in the app, and get the tools you need to grow your financial future—without worrying about fees or high-interest debt.

0:00 – Intro: Build credit stress-free
0:13 – How Chime Credit Builder works
0:36 – Average credit score increases with Chime
0:49 – How to apply and start using the card
1:10 – Unlocking your FICO® score in the Chime app
1:26 – Using Experian Boost® with Chime
2:03 – Making on-time payments automatically
2:20 – Why Chime doesn’t report credit utilization
2:28 – Bonus features: SpotMe®, card controls, and more
2:44 – Recap and sign-up info

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Fee-free banking at its finest. Chime offers everyday people more ways to safely build their credit, grow their savings, and access their pay—all in one app. Plus, with tens of thousands of ATMs nationwide, we’re never too far away. It’s not rocket science. Chime just makes the hard stuff simple—and with less stress. It’s what we call banking smarter.

With over 1 million five star reviews across Google Play Store and Apple App Store, Chime members seem to agree.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A..Members FDIC. Chime® Checking Account required to apply.

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Chime Checking Account required to apply.

FICO® Score: Credit Score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. See Experian.com for details.

30 point average: Marketed credit score increase is based on a representative study conducted by Experian® in January 2024. Results not typical. Late payments may negatively impact your score. See chime.com for details.

Experian Boost®: Results will vary. Not all payments are boost-eligible or result in improved scores. See Experian.com for full details.

No interest: Out-of-network ATM withdrawal and over-the-counter advance fees may apply.

Safer Credit Building: Money added to Credit Builder is held in a secured deposit account and used to pay off charges each month. Credit utilization is not reported.