23 Feb 2026 | 5 Mins Read
Using a debit card EMI plan does not directly affect your credit score
Flipitmoney
Debit card EMIs appear as loans in credit reports, affecting credit scores. They work by lenders providing short-term loans recovered in instalments, tracked by credit bureaus. Multiple debit card EMIs, late payments, or frequent short-term loans can negatively impact scores. Proper management, like regular account balancing and limited EMIs, ensures a positive impact on credit scores.