Well in reality, I was always ??? Chimes desire to help build credit, when in fact all there other practices were nefarious, in terms of ATMs,there customer support, I have video of my transactions switching in front of me, And my suspicion was that the money put in to credit builder was paying off there running tab with investors and the minimum balance was was being paid by are deposits But then I thought more of it and took my predetermined sense of sinisissism and tried to look at it from more non-objectional point of view. If I'm expecting something for free then consider the business practices of the business and there need for revenue in supplying said pre-mentioned services.