Category: General Knowledge | Last updated: 2026-09-18

What is the primary functional difference between using a debit card and a credit card for a purchase?

A) A debit card offers better fraud protection than a credit card.
B) A debit card immediately deducts funds from your bank account, while a credit card allows you to borrow money.
C) A debit card helps build your credit history, unlike a credit card.
D) A debit card can be used internationally, but a credit card cannot.

Explanation

A debit card directly accesses funds from your checking or savings account, meaning the money is deducted almost instantly. A credit card, conversely, allows you to borrow money from the card issuer up to a certain limit, which you then repay later.

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