The Effect of Debit Cards on Your Credit

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By safikul

People try to protect their credit scores by all means. They keep close tabs on all factors that can affect it to ensure that they are in good shape. The two most important factors are how one uses credit cards and the repayment of bills.
But there has been confusion about whether or not a debit card has any effect on your credit score depending on how you use it. The best way to explain this is by telling you what a debit card is. Keep reading this article to understand more.

What Is a Debit Card?

In a layman’s language, this is a card that allows you to use money that is already in your bank account. When you pay with a debit card, the money is deducted from the balance in your account immediately. The same thing happens when you withdraw money from an ATM.
There are many things you can do with your debit card, especially today when people have switched to cashless transactions. You can pay for goods and services, transfer money to other people and withdraw money from various points. But what happens if you are trying to make a transaction and there is no money in your account? The transaction will be declined, and this is all.

Debit Cards Vs. Credit Cards

There should be no confusion caused by the false belief that credit cards and debit cards work in the same way. A debit card will not affect your credit score or history in any way when used to make transactions. It is not a loan but is an easier way to use your money in the bank.

On the other hand, a credit card will affect your credit score in a significant way. If you check the Boostcredit101 website, you will understand all the negative uses of a credit card that lower your credit score. The first thing to know is that this is a kind of a loan that must be repaid on time. Also, heavy usage of a credit card has an effect on your credit score and history.

How to Boost Your Credit Score with a Debit Card

This may sound controversial since we have already said that debit cards do not have an effect on credit scores. However, you can take advantage of using your money to boost your credit score in a wise way.

Repaying debts – if you have various small debts from suppliers, you can use your debit card to repay them conveniently. Some suppliers and sellers who sell items like small assets on credit do forward the credit history of their clients to credit bureaus.
Paying bills – some bills can be paid online with your debit card number. Make sure that you do this on time to avoid getting blacklisted. If you are late, the details of late submissions will be forwarded to the credit bureau.


Mainly, a debit card will not have the same effect as a credit card when it comes to credit scores. But as mentioned above, you can use it wisely to make your credit score go up. Raising the score as high as possible is a wise decision to make.

About safikul

Safikul Islam is a professional Software Engineer with vast experience in research and development field. Presently, He Works for eLiveStory. He also has a strong passion for writing creative blogs and articles about fashion, new technology,Jewelry and following the latest trends in these areas.

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