Pulling money from your credit card means requesting a cash advance. After that, it's just a matter of depositing the funds into the account attached to your debit card. No matter which method you use, you will likely incur a fee for the cash advance.
Going to your bank in person may be the easiest and least costly method. In this case, you can visit a bank branch or an ATM and, using your credit card's PIN, get a cash advance for the desired sum of money from your credit card. Then, at the same branch or ATM, access your bank account, using that account's PIN, and deposit the cash directly. As soon as those funds are available in your bank account, you can use the debit card to make payments.
Your financial institution might allow you to transfer the credit card advance to the bank account in one simple phone call. When you make the call, it is important to specify that you are not requesting a balance transfer, which would imply transferring the balance of one credit card to another. Ask the customer service representative to perform a two-step process: get a cash advance from your credit card and then deposit the funds into your bank account.
The fees for this service vary among banks. If you maintain significant balances in your checking or savings accounts, your fees may be reduced or waived. How quickly you can access your money also varies. For instance, Bank of America's policies state that if the credit card and bank account are with the same bank, the funds may be accessible that day or the next business day. However, if the credit card is issued by one bank and your debit card is linked to an account at another, there can be a delay of up to three days while the money is in transit.
Your financial institution might also make it possible for you to complete the whole process on your computer or smartphone with the appropriate apps. Starting at the website for your credit card, you can request that funds be sent to your bank account. Again, fees vary, and perhaps most important, the transfer can take three to four days.
One other way to accomplish the same goal is to open a line of credit with your bank, which can be connected to your debit card account. If you need to make a payment that is greater than your fund balance, then the credit line will automatically cover the difference.