credit card vs debit card

Credit and debit cards are financial tools with distinct functionalities. A credit card allows spending up to a bank-assigned limit, with repayment due later, often including interest if unpaid. Debit cards directly use funds from a linked bank account, preventing debt accumulation. Credit cards offer rewards, installments, and credit building benefits, while debit cards provide simplicity and direct spending control. Both have security measures like chip technology, PIN verification, and fraud protection. Choosing depends on personal finance habits, spending discipline, and desired features, balancing convenience and risk management.