step.com

should i use a debit card at 16 even though i have a auth user credit card and utilization gets reported onto my parents credit i have about maybe 10-12 ccs with my mom. I'm getting a job soon but before when I had no stable income, I only spend $1-$25 on myself once in a while. I feel like I'm leaving money on the table when I buy something with debit and I was told debit cards have less security with credit cards but I've always disputed things with debit cards and they've worked really well I know about the 2 business day reporting thing if fraud happens and liability is $50 but my credit union and VISA have a zero-liability policy and I have card alerts every time. My mom is using a 2% USB Smartly card to pay for my braces that's a monthly bill of $150/mo. and USB reports my credit every month as they have my social, Discover It Miles also does too and they report my credit, the rest don't or say they report but don't build credit. I have this secured card called [Step](https://step.com) (not sponsored), and it acts as a debit but it is a real secured card. They have Step Black, $4.99/mo, 3% on savings with FDIC up to $1m in insurance, 1% cashback on all purchases. It's something but I feel like it wouldn't affect my mom's credit and I'm worried of using it JUST because it affects my mom's credit, it's worrying me a ton. I can also just use Step for free without the subscription, but I earn no rewards but security as it is a secured card and I have full authorization to do whatever I want to the card, reporting fraud etc is not a pain in the ass unlike the banks where I have to call and sometimes the card numbers are the exact same so they have to get my mom on the phone and she works at the hospital during night shift so phone support is hard to get with her. \^ W/o the subscription, if i'm trying to add money less than $20, I get charged a fee and they also allow transfers with Apple Pay which is awesome if I'm trying to get money from my checking to the