Answer:
Debit card is direct charge to balance in your account. Credit card is a loan
Step-by-step explanation:
On a credit card, you are borrowing money. You keep a running balance and make a payment monthly. If you miss a monthly payment your credit agreement allows the bank to charge you a late fee. With a debit card, money is deducted from your bank account balance as you use it. So you don't have to worry about a monthly payment - or late fees, but you can be charged an overdraft fee if you overspend your balance.