Credit Score Debit Card Spending Guidelines
This content applies specifically to South Korea. Spending 300,000 won a month on a debit card does not guarantee a credit score increase. If you are choosing between debit and credit, focus on affordable spending and paying amounts owed by their due dates. The often-cited 4 to 40 bonus points comes from past Financial Supervisory Service guidance, not a universal rule today. Choose around the money available for repayment Debit card use counts in credit assessments, while credit cards can build a record of timely repayment. Regular debit purchases generally draw from a linked account; credit card purchases are paid later. Choose the payment method you can manage within a budget. Using both cards alone does not raise a score, and extra debit spending does not produce a matching increase. A man puts a credit card into his wallet beside a card statement at a kitchen table. Find the checks behind the figures For a practical comparison, the original article on Injoys pairs payment m...