A reported debit card works like both a debit card and a credit card, and works by putting the transaction on a line of credit to be repaid. The difference is the repayment terms. With a credit card, your debts are tallied up, and you’re issued a monthly bill for part of the overall balance, while any remaining balance accrues interest. With a reported debit card, your transactions are due for repayment within 24 hours, and the money is debited from your account automatically. These debit cards can boost your score anywhere from 5 points to a whopping 100 points, depending on your initial credit score and how frequently you use the card.