I live in the US and have a credit card as well as a debit card. In order to improve my credit score, should I use my credit card or my debit card? (assume that both cards are never in the red)

  • 3
    2 downvotes on this question and not a single comment? No wonder why there is nobody on this SE. May 26, 2014 at 3:57
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    This is off-topic, as it's not about an issue a local wouldn't have as well. You probably have better luck getting an aswer for this on money.SE
    – SztupY
    May 26, 2014 at 12:08
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    Then migrate the question instead of downvoting. And how about the other questions on credit history? May 26, 2014 at 13:27
  • probably there is no reason of migrating this question to M.SE, as it would instantly be closed as a duplicate.
    – SztupY
    May 26, 2014 at 13:58
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    Then just close the question instead of downvoting. I don't think it's a good way to welcome new visitors. May 26, 2014 at 14:20

1 Answer 1


You should use your credit card, as building credit history isn't simply about having the credit card, it's about responsibly using it, meaning making purchases and paying them off in the appropriate time period. Best of luck!


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