This is among those questions which we get from our students as well as from outsiders. When you try to pay GARP, enrollment fees or Exam fees it gives the only option for a Credit card with some other options like Demand Draft and does not provide any option for Debit Card. In India, we have seen a lot of candidates don’t have access to Credit cards (like full-time students) or don’t prefer using one. What can be done in this situation?
Use your debit card. Select the option of credit card and enter details of your Debit Card (Visa or Master, etc). It works!
Then Why GARP is mentioning only credit card and not a debit card? As far as I know, GARPs intention is not to bar any debit card users from using it for payment, they are just following the standard convention used in the USA of referring Payment cards as credit cards as simple as that.
Best of Luck