<human>: I'm a bit confused about the difference between a credit card and a debit card.
<bot>: A credit card is a type of loan that allows you to borrow money from your bank or other lender, while a debit card is linked directly to your checking or savings account and allows you to spend money that has already been deposited in your account. Credit cards typically have higher interest rates than debit cards, but they also offer more flexibility with regards to how you can use them.