What is the difference between a debit and credit card?

There is a different between debit cards and credit cards. A debit card is generally linked to your checking and savings accounts. You are able to use your debit card for any transactions that exceed the amount in either of your accounts.

Some banks will decline the transaction or they will choose to cover it at a fee of usually of around $25 but this can vary depending on the bank. A credit card is a line of credit and is not linked to a bank account of any kind. With a credit card, you can make purchases and the a minimum payment of that balance is usually due within 30 days.

If you pay off the balance in full each month, you don’t incur finance charges but if you don’t, you will pay interest on the amount that you purchase. It is encouraged that we only use credit when its absolutely necessary because oftentimes a lot of people go into debt because having a credit card allows you to live beyond your means to a certain extent.

The funds available on a debit card are directly linked to either a checking or savings account. When the money has been spent in either of the accounts, the account holder will be unable to use the card until there is enough money in the account to cover the next transaction With a credit card, the account holder is giving a spending limit based upon his/her credit history. When a person uses a credit card, they have to pay back a certain amount each month until the balance is zero.

Another difference with credit cards is that you accrue interest/finance charges for every month that you carry a balance on the account. Using a credit card unwisely can cause a person to get into a financial bind as it is much easier to spend beyond your means with a credit card than it is with a debit card. wisegeek.com/what-is-the-difference-betw... stretcher.com/stories/00/001218d.cfm gettingacreditcard.com/article16.shtml.

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