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To answer OP's other question explicitly, there's no "debit score". That's because "credit" roughly means "loan" here, and a credit score thus measures how good you are at repaying your debts. Nobody needs to measure your ability to spend your own money.
– TooTea
Commented Jul 3 at 10:12
Thank you Vicky and TooTea for your illuminating answer and comment, respectively. How about paying by debit card as MOTO (Mail-order/Telephone-order), which I understand would run on the credit card network? Would this affect my credit score (because it's done over the credit card network) or not (because I'm using my debit card)?
– user324831
Commented Jul 3 at 16:49
1

Per my answer, individual transactions don't ever form part of the credit score. It's all about the balance you carry from month to month, the total amount of credit you have available to you / what %age of it is used, etc.
– Vicky
Commented Jul 3 at 17:23
Thanks for clarifying, I appreciate your patience. But credit scoring agencies get info from the card providers; I understand individual transactions don't directly form part of the score, but payment history is made actually of individual transactions, so repeated use might have some repercussions. Now debit card use with PIN cannot change the credit score, credit card use changes the credit score, and debit card as MOTO?
– user324831
Commented Jul 3 at 17:34
1

"Payment history" means the payment history from you to the credit card, the monthly statements they bill you for and you pay - not payment history from you to merchants using the card. The credit scoring agencies don't know or care whether you made 10,000 x £1 transactions or 1 x £10,000 transaction, just that you racked up a balance of £10,000 that month and whether you paid it off in full on time or not.
– Vicky
Commented Jul 3 at 19:42

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