What Is the Difference Between a Debit Card and Credit Card?

Debit cards generally draw from your bank balance, while credit cards use a line of credit that you repay.

Quick answer: Debit cards generally draw from your bank balance, while credit cards use a line of credit that you repay.

What you should know

Debit cards generally draw from your bank balance, while credit cards use a line of credit that you repay. The exact answer can vary by product, location, usage, age and other circumstances, so use the details that apply to your situation.

Key factors

Start with the relevant specifications or official guidance, then consider real-world conditions. HEZZ Answers articles are designed to give you a useful starting point and can be expanded or updated from the admin panel.

Bottom line

Use the general guidance above as a starting point, and verify important decisions against current manufacturer, provider or official information when appropriate.