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A debit card is similar to a credit card where you make purchases using the plastic card, but unlike a credit card, the money comes directly from your bank savings account. You can only use the money you have available in your account. If you do not have enough money in your account, your transaction will not be approved, which is why you cannot get into debt with a debit card. A credit card purchase, on the other hand, is made using the bank’s money on loan. It comes with a pre-set limit according to your creditworthiness. If you do not pay your credit card bill on time and in full, you will be subject to heavy interest charges that can rapidly accumulate month after month and leave you in debt.