What is the difference between a credit card and a debit card?

Although you use a debit card much like you use a credit card, the method of payment is different. When using a debit card, you are using the money from your checking account. The amount of your purchase must be available in your checking account at the time the purchase is made. When using a credit card, you are borrowing money against your available credit line.You pay that money back with interest when you make your monthly payment.