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Though most companies won't let you use regular credit cards like a debit card, you can use a prepaid credit card like a debit card. Prepaid credit cards work like debit cards, but they are accepted like credit cards.
When you use your debit card, however, you're using your own money to fund the purchase. The card is attached to your bank account and the purchase deducts from your balance. It's the same as writing a check, or taking cash out of your account and using that.hey allow you to pay as you go without running up big balances that incur interest. Unfortunately, debit cards are inferior to credit cards in one important respect: they don't report to the credit bureaus. Debit cards can't help you improve your credit score.