A credit card is a payment instrument for a credit account opened with a bank. The purposes of spending borrowed funds are not limited, the card can be used to pay for goods, services, tickets, online purchases. When issuing, there is money on the card - a renewable limit set by the bank.
A debit card is the one on the account of which the amount of your personal savings lies: salary, money transfers, your own replenishment and other receipts. You can spend as much as is stored on the card. You won't be able to use it in other countries, since the card has limited functionality. But the funds on the credit card are the property of the bank, which lends you at a certain percentage.
Even abroad. But the bank withdraws interest twice - for a loan and for converting the hryvnia into foreign currency. How is a credit card different from a debit card? The debit card has no grace period and no interest rate. To repay the overdraft (loan), the bank sets a period of up to two months. If the card is issued to the borrower under an agreement, then the overdraft amount is a fixed percentage of salary.
Or expressed in the amount of up to two salaries. Therefore, the functionality of a credit card is significantly different from a debit card. The difference is striking.
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