Final answer:
A customization tool allows users to change the background image of their debit or credit card. A debit card is linked to a bank account and transfers money directly, whereas a credit card involves borrowing money to be repaid later.
Step-by-step explanation:
The tool mentioned in the question allows users to personalize the background image of their debit or credit card with a picture of their choosing. It's important to understand that while both debit and credit cards can be customized in this way, they function differently. A debit card is linked directly to your bank account and when you make a purchase, the money is transferred electronically from your account to the seller's account. This is similar to using a check, where the funds are moved promptly and directly from your checking or savings account. Conversely, a credit card allows you to borrow money up to a certain limit to pay for goods or services, and you're billed later to repay the borrowed amount, often with interest.