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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.
1 You can use your debit card in most stores to pay for something. 2  You just swipe the card and enter your PIN number on a key pad. 3  Debit cards take money out of your checking account immediately. 4  Debit cards let you get cash quickly.redit cards are safer to use when you buy things online: 1  You might have a problem with something you buy online. 2  It is easier to get your money back if you use a credit card. 3  Someone might steal your credit card number online. 4  The law says you can lose only $50 if you report it right away.