No. of Recommendations: 1

The debt card is just that. It provides no indication of your ability to handle debt.

Having the trasnactions go through a credit card will help. It will not help as much as running a balance. I am not sure of the exact, added benefit on your credit score.

Think of it this way.

A credit score is a grade for how well you preform in the lab called 'managing debt'. If you never have any debt the scoring system has little to work with.

Debt is neither good nor bad. It depends on what you do with it and how you manage it. The score reflects that fact. It measures how risky you are and one axis is the amount of debt vs. capacity to pay. The other is your track record in the past.

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