What does charging my debit card as credit do for my credit?

[Shyla Bernetta]

I'm considering getting a credit card and just having it draw from my checking account, would this build credit? Alternatively, I have a debit card that occasionally gets charged as credit, and it gets paid from the checking account all the same, does this affect my credit?

[Ms_Margaret]

No. Using debit cards is like writing a check electronically. If you have overdrawn your account, however, it will count against you if you don't pay it back immediately. If you are having a hard time getting a credit card to build up your credit score, you can get a secured card from your bank.

[Xanthia Alysha]

It will not have any effect on your credit. You are actually not using any credit just your own money. So if you want to build your credit try to get a store credit card first.