Which of the following is NOT a feature of a debit card?

A debit card is designed to provide direct access to funds in a checking account, allowing users to make transactions without borrowing money. One of the key features of a debit card is that it facilitates immediate withdrawal of funds from the user's checking account at the time of purchase, thus ensuring that only available funds are spent.

When considering the features of a debit card, it is important to note that they do not contribute to building credit. Unlike credit cards, which allow users to borrow money up to a certain limit and can impact credit scores based on payment histories, debit cards do not provide any credit-building potential. Since transactions are drawn directly from available funds, they do not create debt or establish a borrowing history that can affect creditworthiness.

In addition to supporting immediate transaction processing and being usable for online purchases, debit cards primarily function as a cash substitute, promoting responsible spending aligned with the available balance in the checking account.