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Debit card trying to talk to credit score

Does a debit card affect my credit score?

While credit cards can impact your financial standing, a debit card has no impact whatsoever on your credit score. The only way to build a credit score is to apply for and use credit responsibly. Whether that means using credit cards or other forms of paying for things. Every time you borrow money and pay it back on time, you’re helping to build a positive credit history. And each time you are late or miss a payment, you’re hurting your score.

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