A debit card carries a preset spending limit based on the user's credit

history, while a credit card immediately deducts money from the user's

account balance

A debit card operates like cash or a personal check by immediately

deducting money from the user's account balance, whereas a credit card

carries a preset spending limit and allows the user to pay all or part

of the amount owed later, potentially incurring interest charges

Both debit and credit cards involve lines of credit and accumulate interest charges on unpaid balances

Unlike credit and charge cards, debit cards have an embedded microchip

capable of storing facts about the cardholder for enhanced security

Debit cards do not resemble credit or ATM cards in appearance and cannot be used for online purchases