- Reaction score
When you use a credit card, you use the bank's money. You are given a payment window of 40-45 days to pay the bills, until then you can use the bank's money under the card limit. When you use a debit card, you use your own money, you can only use the amount that you have on your card. However, you don't have to worry about paying it back because it's your money that you used.