When you use a debit card, you are not borrowing money. You are simply using your own money to pay for things. The money is coming straight from your bank account. Because you haven’t used credit, it will have no effect on your credit report or your credit score.

You can not build credit using your own money for purchases. For some people, this is a good thing because they are afraid of debt. But, if you want to build your credit, you will need to use a credit card instead of a debit card to make purchases.