When you run your transaction as credit using your debit card, you are still authorizing a debit from your checking account.
You will never be charged interest or receive a bill for doing this.
Of course, choosing credit at the point-of-sale will not help you build your credit.
Can you run a debit card as credit with no money?
You can’t get cash back from your account. Running a debit card as “credit” is not the same thing as using a credit card. Your debit card is attached to your checking account. A credit card is a line of credit, meaning that TwinStar is actually lending you the money for the purchase and billing you for it later.
What’s the difference between debit and credit on your debit card?
Debit cards and credit cards are accepted at many of the same places. The fundamental difference between a debit card and a credit card account is where the cards pull the money. A debit card takes it from your banking account and a credit card charges it to your line of credit.
Can you build credit with a debit card?
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.