SeaComm Federal Credit Union OFFICIAL BLOG

Three Reasons to Use a Credit Card like a Debit Card

Credit card debt can be very intimidating. Any debt feels like a bad thing, but there are positives to using a credit card, as long as you use it wisely. Here are three reasons to use your credit card like a debit card.

Improve Your Credit

One of the things your credit score is dependent on is credit card usage. Experts say that you should be using 30% or less of your available credit on the card. That amount shows you can be a trusted borrower. One way to use this to your advantage is to make all of your regular payments with your credit card, and pay it off at the end of the month. Your credit score will increase as well, and that’s great if you need to take out a loan.

Protection Services

With the rise in online shopping, it’s important to protect yourself from scammers and fraud. Some experts say that it’s wiser to use a credit card when shopping online because they typically have better fraud protection than debit cards. It’s also important to remember that credit cards aren’t connected to your accounts, so there is no chance your money will disappear. If your credit card is stolen many companies will immediately let you know about suspicious charges and freeze your card.


If you travel, many hotels and car rental companies will require a credit card for the transaction. If they do accept debit cards, you might be forced to put a larger deposit down. That means a hold on the money on your card. Another perk for travelers could be insurance or waived fees for luggage and other amenities. Traveling can be expensive, but if you can afford it, use your credit card and get those points. Trips are the best time to accumulate points on your card because you’re going to be spending the money anyway, why not get rewarded for doing so?

With your SeaComm Visa Platinum®, you earn one point for each $1 you charge! You can apply your points to airline and travel purchases, as well as quality merchandise or cash back! Click here to learn more or call us at (800) 764-0566 to start your application. 

TIP: Find out if you’re pre-approved for a SeaComm Visa® through LoanEngine™, our loan pre-approval program that allows you to view and accept loan offers without having to come into a branch or fill out an application. If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail.

Click here to login to your NetTeller™ to view your current offers. If you do not have any offers at this time, be sure to check back every 60 days.


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