Différence entre carte de débit et de crédit (2024)

FAQs

What is the difference between a debit card and a credit card? ›

Debit cards allow you to spend money by drawing on funds you have deposited at the bank. Credit cards allow you to borrow money from the card issuer up to a certain limit to purchase items or withdraw cash. You probably have at least one credit card and one debit card in your wallet.

When you use a debit card, the funds for the amount of your purchase are taken from your checking account almost instantly. When you use a credit card, the amount will be charged to your line of credit, meaning you will pay the bill at a later date, which also gives you more time to pay.

You can't tell whether a card is associated with a debit or credit account based on numbers alone. Still, you can usually find that out by looking at the card as most of them have a “credit” or “debit” label somewhere on the card.

The key difference between a cash card and a debit card is that a cash card only allows you to withdraw money from an ATM, while a debit card enables you to be in control of a whole host of financial transactions.

Bottom line. Credit cards offer the most benefits and protection against fraud, making them the overall best payment option. However, credit isn't for everyone. If you have a track record of overspending, it may be better to stick with a debit card until you can responsibly manage credit.

No debt or high interest

Because your debit card instantly deducts money from your checking account, no debt adds up like when you use a credit card. And because you aren't borrowing from a lender, checking accounts don't charge interest each month (or allow you to overspend in the first place).

If you don't have enough funds in your account, the transaction will be declined. When you choose to run your debit card as credit, you sign your name for the transaction instead of entering your PIN. The transaction goes through Visa's payment network and a hold is placed on the funds in your account.

Credit cards often offer better fraud protection

With a credit card, you're typically responsible for up to $50 of unauthorized transactions or $0 if you report the loss before the credit card is used. You could be liable for much more for unauthorized transactions on your debit card.

Although Mastercard and Visa cards are accepted almost everywhere in the globe, Visa cards have a few more advantages. Even with a Visa card at the most basic level, you can access advantages like stolen or lost card reporting, urgent card replacement, emergency cash disbursem*nt, roadside dispatch, and zero liability.

Key points about credit and debit cards. A debit card is linked to your bank account. It's usually your money that you're spending or withdrawing, unless you have an overdraft, which is a type of credit linked to your account. A credit card is a standalone account giving you access to a pre-agreed credit limit.

What is the difference between debit and credit with example? ›

Examples of debit are cash, asset purchase, and debt payments. Examples of credit include loans received, sales on credit and investments by owners.

A Charge Card works like a Credit Card, but without offering the option of making part payment. You are required to pay your charge card bill in full by the due date. Charge Cards offer a 'no pre-set' spending limit.

If you overspend, you could get hit with costly overdraft fees: If charges to your debit card cause your checking account balance to go negative, you could suffer overdraft fees and other steep charges that far exceed the potential costs of using a credit card.

Debit cards take money out of your checking account immediately. Debit cards let you get cash quickly. You can use your debit card at an automated teller machine, or ATM, to get money from your checking account. You also can get cash back when you use a debit card to buy something at a store.

While debit cards and cash offer consumers limited benefits, using a credit card can help protect you against purchases that go awry.