Your new card is not a credit card. It is a VISA Debit Card that is issued to you by Branch Banking and Trust, on behalf of your benefit provider. You can use your card anywhere that VISA Debit is accepted. Just give your card to the cashier, waiter, or attendant, and then sign your receipt or enter your Debit Card PIN to complete your purchase. Each time that you use your card, the purchase amount will be deducted from the amount of money available on your card. Your benefit payment is automatically loaded onto your card at the time you would normally receive your benefit check.