Free $100 From Chime

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Chime Bank also offers Credit Builder. My son swears by it to increase credit scores:

Here’s a step-by-step breakdown of how it works:

  1. Open a Chime Account:

  2. You must have a Chime Checking Account to use Credit Builder.

  3. Fund Your Secured Account:

  4. Move any amount of money from your Chime Checking Account to the Credit Builder secured account. This amount becomes your credit limit.

  5. Use Your Card:

  6. Swipe your Credit Builder Visa® card anywhere Visa is accepted, up to the amount you have in your secured account.

  7. Make Payments:

  8. Chime automatically uses the money in your secured account to pay your monthly balance, ensuring you make on-time payments.

  9. Build Your Credit:

  10. On-time payments are reported to the credit bureaus, which can help improve your credit score over time.

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