"Would you give a thief direct access to your checking account... Unfortunately, you may be doing just that by regularly using your debit card. Debit cards may look identical to credit cards, but there's one key difference..."
We also have How to Find a Free Checking / Debit / Credit Card Account. ~ Pesky Banks and What You Need to Know.
And Your Credit Score and What It Means ~ And How to Fix / Raise Your Credit Score ~ The Way It Is