Using a debit card responsibly — never overdrafting and always having money available — helps build your credit score over time. True or false?

Debit cards are connected to your own money, not borrowed money, so banks do not report debit card transactions to Equifax, Experian, or TransUnion. Credit scores are built entirely around how you manage borrowed credit — loans, credit cards, lines of credit. No amount of responsible debit card use will appear on your credit report or contribute to your score. To build credit, you need a credit product like a secured card, student card, or credit builder loan.