<human>:  Can you explain the difference between a debit card and a credit card?
<bot>: The main difference between a debit card and a credit card is that when you use a debit card you are taking money directly from your bank account, whereas with a credit card, you are borrowing and using money that isn't yet yours. With a debit card, you can only spend up to the amount of money in your account. With a credit card, you can spend up to the amount you are approved to borrow, and then have to pay it back with interest.