Debit cards do not appear on your credit history or affect your credit score.
When you use a debit card, the money is immediately taken out of your banking account.
You are not borrowing money like you would with a credit card.
Do checking accounts affect credit score?
Checking Accounts and Credit Scores
Your credit report only deals with money you owe or have owed. However, a few isolated circumstances exist where your checking account can affect your credit score. Because your checking account itself is not listed on your credit report, such issues do not get reported.
Do bank accounts show up on credit reports?
FACT: Credit reports don’t list bank account balances or assets, so those numbers don’t impact credit scores. If the balance owed to the bank gets turned over to a collection agency, then that information will show up on a credit report.
Should you run your debit card as credit?
The lines between debit and credit cards are blurry because you can run a debit card as a credit card. However, even though the transaction is logged as credit, as the Federal Deposit Insurance Corporation puts it, you are still “authorizing a debit (withdrawal) from your account, not a credit card transaction.”