<human>:  What is the difference between a debit card and a credit card?
<bot>: The main difference between a debit card and a credit card is that a debit card is linked directly to a bank account. Money spent on a debit card is taken directly from the linked bank account, whereas money spent on a credit card is borrowed money that must be paid back with interest. Debit cards charge no interest, whereas credit cards typically do have interest.