The short answer
The registry records Chime Credit Builder Secured Card Allocation as a possible interpretation of CHIME* CREDIT BUILDER. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of CHIME* CREDIT BUILDER mean?
- CHIME * CREDIT BUILDER
- Before the asterisk, "CHIME" usually names the platform or parent company. After it, "CREDIT BUILDER" usually names the product, store or order. How descriptors work →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
Why it shows up like this
Unreviewed registry note: A line item displaying CHIME* CREDIT BUILDER on your bank record is not a merchant purchase or a service fee. Instead, it represents a Chime Credit Builder Secured Card Allocation managed by Chime Financial, Inc. / The Bancorp Bank, N.A. (or Stride Bank, N.A.). This program operates as a secured credit card designed to help cardholders establish positive payment history without paying interest or annual card fees. The amount deducted from your checking balance serves as your security deposit and sets your available spending limit dollar for dollar. On monthly bank statements, the transaction may also show up as CHIME SAFER CREDIT, CHIME BANK TRANSFER, or CHIME 844-244-6363.
Unreviewed registry note: This entry typically appears when funds move automatically or manually between your accounts. If you turned on Chime's Safer Credit Building feature, the app automatically pulls cash from your Chime Checking Account each month to settle whatever balance you charged to the card. Another frequent trigger is an automatic direct deposit allocation, where a preset portion of your paycheck transfers directly into the Credit Builder secured account upon arrival. You might also see this record if you manually transferred cash inside the mobile app to raise your available spending line before making a major purchase.
Common reasons for this charge
Unreviewed registry note: Understanding how funds flow through your Chime accounts clarifies why these transfer entries appear on your statement. Unlike traditional credit cards that extend a line of unsecured credit, Chime requires upfront funding before you can spend.
- Unreviewed registry note: An automatic Safer Credit Building transfer moved funds from your Checking Account to pay off your monthly card balance.
- Unreviewed registry note: You moved funds into your Credit Builder secured account to increase your available spending limit.
- Unreviewed registry note: A recurring transfer was scheduled to fund your credit building deposits.
Frequently Asked Questions
Is Chime Credit Builder a monthly fee?
Unreviewed registry note: Chime Credit Builder has 0% interest and no annual or monthly maintenance fees. Transactions represent your own deposited spending funds.
How do I get my money back from Credit Builder?
Unreviewed registry note: You can move available funds from your Credit Builder balance back into your Chime Checking Account at any time in the app.
Dispute Rights & Fraud Prevention
Unreviewed registry note: If you do not have a Chime account but see CHIME* CREDIT BUILDER on your external bank statement, someone may have opened an account using your identity or linked your bank routing number without permission.
How do I report unauthorized Chime activity?
A registry match cannot establish that you authorized a transaction or that it is safe. Compare the original account records. If you did not authorize a payment, contact your issuer promptly through its official channel.
How long does an electronic transfer dispute take?
Unreviewed registry note: Banks have 10 to 45 business days to investigate and resolve unauthorized electronic transfers.
Part of a family
CHIME* CREDIT BUILDER is one of the Capital One statement codes registry groups. A shared group does not establish who billed your transaction.
Independent reference — not affiliated with Chime Financial, Inc. / The Bancorp Bank, N.A.. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- Chime Credit Builder Agreement https://www.chime.com
- CFPB: What to Know About Secured Credit Cards https://www.consumerfinance.gov
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