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

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?





I'm only 18, and my school's economics class chose to focus on things we'll never use instead of things everyone needs to know lol.|||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.|||A debit card/ check card does not build credit because it's not "credit" you are using your own money from a hecking account





A credit card is borrowed money from a bank that you have to make payments to|||A debit card is not a credit card and does nothing for your credit history.





A credit card pays the merchant from the bank's money, which is considered a loan to you under your previously approved account agreement.





A debit card pays the merchant from your checking account.





Telling the merchant to process it as "credit" means that the bank gets to charge the merchant the higher credit processing fee.|||No, a debit card does not improve your credit. Having revolving accounts such as a car loan, a credit card a home loan or a loan and paying them regularly will help build your credit.





You can get a store credit card and make small purchases and pay them off or pay small amounts monthly to help establish credit.





Remember you can get into a lot of trouble with a credit card thinking that you'll pay it off next month or the next month and constantly purchasing it can become a vicious cycle. If you eventually want to own a home be responsible now with your credit, always pay on time, never charge too much on your credit card keep it in the freezer and use only for emergency purposes. Good credit is hard to get, bad credit is easy to get and will stick with you for years to come, once you get good credit work to keep it maintained.|||paying in full will build your history fast