Refers to the bank card which is linked to your bank account, either your current account or savings account, and the balance is shown on the card. The same amount reflected on your debit card will also appear in your bank account. If your bank account does not have a balance, you will not see this amount on your debit card. You cannot use a credit card for any transaction if you don't have a balance on your debit card.

Cards that can be issued with collateral, such as savings cards, deposits, or other collateral, and these cards allow the holder to make all transactions using the card without having to add a deposit. Using these cards, but you must pay off your negative balance promptly after transaction to avoid late interest collection, so these cards allow you to borrow money through withdrawal or use. In your transaction, you must repay this borrowed amount within a specified period of time, typically 45 to 50 days according to banks.

When you use a debit card, the funds for the amount of your purchase are taken from your checking account in almost real-time. When you use a credit card, the amount will be charged to your line of credit, meaning you will pay the bill at a later date, which also gives you more time to pay.

When you purchase with a credit card the amount of the transaction is not deducted immediately from the balance, unlike when you use a debit card. Credit cards allow you to pay even if you do not have a balance at the time, so you sort of borrow for some time.