“Americans have embraced debit cards for greater control but this limits their ability to establish or build their credit score,” noted Chime CEO Chris Britt, in a launch announcement. “We created Credit Builder to help our members stay in control and safely build their credit with their everyday purchases,” he said. Chime’s credit card aims to straddle both worlds, debit and credit, by working to establish good credit while also preventing users from overspending.

https://techcrunch.com/2020/06/30/u-s-challenger-bank-chime-launches-credit-builder-a-credit-card-that-works-more-like-debit/