Ryan P Page, Staff Writer
Yes, a Visa card can be used as a credit card because Visa is a card network that includes credit cards, along with debit cards, prepaid cards and gift cards. You can also choose to use your Visa debit card as a credit card while shopping by selecting credit on the payment terminal.
Selecting credit when checking out with a Visa debit card doesn't actually make your card a credit card, though. Instead, the usually instant transaction will take 2-3 days to process, which could be helpful if your balance is low. Additionally, you will not need to type in your PIN to confirm the purchase.
It is important to note that even if you select credit while using your debit card at check out, you're still only spending your own money. Selecting credit does not help you build credit, and if you do not have the money available, you will overdraw your account, which will cost you money. If you want more time to pay off your purchases, a Visa credit card is the best choice.
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