<human>:  Can you explain 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 the user to borrow money from the lender and a debit card is linked directly to the user's bank account. When making purchases with a credit card, the user is borrowing that money from the lender and will have to pay the money back with interest. With a debit card, the user is actually using their own money from their bank account to make purchases.