Originally posted by Pre98:
I've built credit through my Bank card, I just swipe it as Credit- all the purchases I've ever made, particularly online (which is the only time I ever use it) show up immediately, and as long as you have the funds- the credit is built in a positive manner.

Now, I could be totally ass backwards on the subject as to how I have established a good credit rating. In fact a great credit rating. Either paying monthly on my car did it, or as I said, the bank card usage. Regardless, my rating was 3, 1 being best and 6 worst.. iirc. From what I was told, that is pretty damn good for an 18 year old (at the time). I go through Keybank.



Your car loan built your credit. Debit cards have nothing to do with building credit. They're not reported to credit bureaus in that regard because they're not "extending credit" to you since it's your money being spent.

2006 Mazdaspeed6 1997 Yamaha YZF1000R Thunderace 1996 Volvo 850-R