That is exactly what debit cards do. When you make a purchase the money is withdrawn from your account. The only novel thing here is you are deceiving the proc

That is exactly what debit cards do. When you make a purchase the money is withdrawn from your account. The only novel thing here is you are deceiving the processing networks by claiming your debit card is a credit card. My credit union tried to do the same thing many years ago (as a way to build credit for students) and it eventually got caught by the processing networks and recategorized. Within a month or two it dropped off everyone's credit reports and they were back to square one.