To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account.This is money you can use to pay off your charges at the end of every month. 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card.and may be used everywhere Visa credit cards are accepted. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Chime is a financial technology company, not a bank.No credit check to apply, no annual fees, and no minimum security deposit 1.The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).In order to be eligible for this secured credit card, you must first open a Chime® Checking account and receive a qualifying direct deposit of $200 or more.