I need to know something because I am very new credit cards all together. Is there a fee to use the credit builder card or something/ I have had this card for 2 months and I put what I needed on it & used it down to zero and already for some reason it said I now owe $253 dollars. I am not sure where the policy says that chime will charge me a second time for my already paid-for stuff. I should have read the fine print because it says that I have to pay the secured card bill by a certain date but I transferred the money to the card bought the items and zeroed the cards by my budget properly. Credit karma says I have no late fees yet but I am not sure why I need to pay $253 suddenly. If I use this card is the price for what I buy just going to double now?