How do I cancel my chime credit builder account

Question

I opened chime credit builder a couple years ago when my score was in the low 600s, and it genuinely helped; using the safer credit feature and autopay bumped me up to around 720. Since then, I’ve opened two regular rewards cards, and now the Chime card is basically collecting dust. I’d like to close it, but I’m not sure of the proper steps or what impact it might have on my credit.

I’ve done some research, but the info online is all over the place. Some say closing it won’t hurt since it doesn’t report a limit, others recommend keeping it open for the positive tradeline. On top of that, the actual cancellation process itself seems pretty vague. Has anyone here successfully canceled theirs? How did you do it, and did it affect your credit score at all?

Posted Oct 7, 2025, 2:35 AM UTC

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