When you use a debit card as a credit card, does it help build your credit when you pay?

Also, do you have to pay right away or can you postpone paying for what you bought like a regular credit card. Does the money get taken off your account automatically like a debit card or do you okay it first. I have a Mastercard debit card and I need to build my credit, but I don't know how using it like a credit card works.|||If you are choosing the credit option rather than debit when making a purchase, then you are using credit and it will improve your score. I would use an independent card (rather than the debit card) for true credit purchases though.





There is one company in particular (I don't use names when making recommendations), whose customer service far exceeds that of the other companies with regard to credit purchases. Do some research and get one from them.|||Not one bit.


What you have is a debit card that can be "ran" as a credit or debit.


It all comes out of your checking account the same.\





If you get a credit card, and you postopone "pay only the minimum" you run a risk of seriously ruining your credit.


Remember that employers check, so do landlords and car insurance companies.


Don't foul up your life with a credit card.


If you charge something, pay it in full when the bill comes in the mail|||You do not build credit with a debit card because you are not using another person's money to pay for things and you pay them back. A debit card does what it says, it debits your bank account. (usually in 24 hrs) of purchase. So, you can only spend what you have in the bank account. That is your money, not Visa or Mastercard's or any other company. Thus you will not get credit built up. Most companies use there logos on debit cards for people that don't have credit cards so that people may shop online with money from their account, book hotel rooms and flights etc.