Chie, in a way, could be considered a "tomboy." Like Lisa Silverman from the Persona 2 dualogy, she is obsessed with kung fu and is a huge fan of martial arts movies, most prominently Trial of the Dragon. She also has a poster of Bruce Lee in her room. Outside Naoto's dungeon, Chie mentions that as a kid, she had her own secret hideout near the mountain by Yukiko's house where she would pretend that a legendary kung fu master was teaching her special techniques. Chie's wish is to become a police officer some day. Chie's cooking skills are horrific and her cooking tastes generally unpleasant, causing them to be labeled as Mystery Food X.

Chie has strong sense of justice and a fierce desire to protect others. She is known to defend classmates, children, and strangers from being threatened and attacked by local delinquents. Even when outnumbered, she does not hesitate to intervene and speak out. Though reckless in putting herself into dangerous situations, she is willing to sacrifice herself for the sake of others; when a delinquent threatened her loved ones, Chie gave him the opportunity to hit her freely in exchange for leaving everyone else alone. Chie wants to protect Yukiko and the protagonist most of all, and they serve as strong motivators in her wanting to become stronger, constantly training her kung-fu moves and challenging herself physically. Though nominally fearless, Chie has some specific childish fears: she is terrified of ghost stories, thunder, locusts (and possibly other insects), and being in the dark.

Chie's biggest insecurity is her femininity, which is one aspect of her unhealthy relationship with Yukiko in which both of them are secretly guilty of hiding their true feelings from one another. After years of being with Yukiko who is treated as wealthier, more popular, scoring higher grades in school and having more male admirers, Chie gradually develops an inferiority complex in comparing herself to Yukiko and is jealous of all the male attention Yukiko receives. Chie's brash personality seems to makes it hard for boys to approach her romantically despite the fact that some students, including sports captain Kou Ichijo, secretly find her attractive. As a result she comes to believe herself to be undesirable, especially compared to Yukiko. This causes her to derive satisfaction from Yukiko's need to rely on her for confidence and support at the beginning of the game.

When Chie confronts her Shadow about her complex, Chie is in denial and is embarrassed and mortified. When Shadow Chie is defeated, she vows to overcome her complex and be a true friend to Yukiko.

By the end of the game and anime, Chie acknowledges her own personal strengths, as well as her faults (calling herself a stubborn two-faced coward), and in the new epilogue becomes perfectly comfortable with her own feminine side.