Ohh. That makes sense. So it took $25 away from your actual money, right? I can see how that is trouble some.

Sorry, I assumed you used a credit card.

Yeah, straight from my checking account. No worries bro :)

Using a credit card builds your credit. Just remember to always pay it back (in full) on time.

Haha, you're right - I did not phrase that correctly: I use a secured CC sparingly to avoid over-utilization. In this case, I had to use my debit card.

Utilization has no lasting effect on your credit score - if you have 100% utilization one month and pay it off next month, your credit score will be the same as if your utilization was 0% the whole time. It doesn't matter for building credit in the long term.

I see, thanks for the info. I will keep that in mind.