In case of dispute, Chime will give a provisional credit in certain cases. If Chime is not able to complete their investigation of a dispute within 10 to 20 days, Chime users will get a provisional credit. New Chime Credit Builder users will receive a provisional credit within 20 days, and users of established accounts will receive a provisional credit within 10 days. Once Chime has completed their investigation, the provisional credit will either become permanent or removed, based on the investigation results.