<human>:  What is the difference between a debit and a credit card?
<bot>: The main difference between a debit card and a credit card is that a debit card directly withdraws money from your checking or savings account, while a credit card gives you a line of credit that you must repay. With a debit card, the funds are taken immediately from your account, making it easy to track how much you have spent, while with a credit card, you may accumulate debt over time if you are not paying off the balance in full each month.