<human>:  What's the difference between a credit card and a debit card?
<bot>: The main difference between a credit card and a debit card is that a credit card is a type of loan that allows you to borrow money from the issuer to make purchases, while a debit card allows you to use your own money that is held in your bank account. With a credit card, you can spend more money than you currently have, but you need to pay back the amount you borrowed, plus interest, at the end of the month. With a debit card, transactions are taken directly from your bank account, so you can only spend as much money as you have available.