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Though most companies won't let you use regular credit cards like a debit card, you can use a prepaid credit card like a debit card. Prepaid credit cards work like debit cards, but they are accepted like credit cards.
If you choose the OneAccount (free checking account), you can use the card anywhere a DEBIT MasterCard would be accepted. There are fees for PIN-based transactions (HigherOne Fee Schedules). To avoid fees, select the â credit â option which is called â swipe and sign â.Your card is still used as a debit card even though you selected the âcreditâ option. Your debit card is NOT a credit card since you must have money in the account to use it.o avoid fees, select the â credit â option which is called â swipe and sign â. Your card is still used as a debit card even though you selected the âcreditâ option. Your debit card is NOT a credit card since you must have money in the account to use it.