Being a tomboy, Chie often behaves like a boy but manages to stay feminine. Other than that, she has a bright and upbeat personality, often trying to cheer up the group by joking about the case. She is also obsessed with kung fu and is a huge fan of martial arts movies like Trial of the Dragon, and is furious once she finds out that Yosuke broke her disk. Generally, she has a short temper with him and exploits this in order to get her beloved steak for free at Junes. Chie is an awful cook and often, along with Yukiko and Rise, serves the gang terrible dishes.
Her Persona is Tomoe Gozen of the Chariot Arcana, a muscular female figure wearing a yellow outfit reminiscent of Bruce Lee's "Game of Death" costume, wielding a double bladed naginata. Tomoe Gozen is shown to use both physical and ice spells. However, Teddie will take over as the main ice caster when he comes into play, thus Tomoe will stop learning ice spells (last spell to be obtained is bufula) near the level the player obtains Teddie. Tomoe evolves into Suzuka Gongen after completing The Chariot Social Link.
Chie's Shadow takes the form of a long haired, masked dominatrix supported by three pale Chies. The dominatrix has long black hair, similar to Yukiko's. It represents her jealousy of Yukiko's natural gifts and talents, as well as her wish and need of control over Yukiko. Chie went through a majority of design changes as the others, one of her designs even being used to develop Teddie.
Through the S.Link for the Chariot, the Protagonist and Chie become closer through training together at the Samegawa Floodplain. Over time, the Protagonist learns of how Chie enjoys creating groups and titles for herself, in hopes of being feared by juveniles and protecting the weak. Hearing from a police officer that high schoolers have been bullying people in the Central Shopping District, Chie and the Protagonist coincidentally help. They first save Chie's middle school friend, who then calls the police. The second time, Chie makes the hoodlums run off just as they attempt to steal from a little boy. Once this occurs, the Protagonist has the option of making an intimate relationship with Chie. Depending on what the Protagonist does, Chie will either go to train with the Protagonist (normal relationship) or go to his home (serious relationship) and give him some matching wristbands. Chie's resolve to help others and protect the team, especially the Protagonist, transfigures Tomoe Gozen to Suzuka Gongen.