1. Debit Card Vs. Credit Card Here are some basic differences between a debit & credit card. Debit Card Credit Card It is linked to your checking or savings account. It is a line of credit & is not necessarily linked to an account. The amount spent using debit card is deducted from the account balance. The amount spent is paid by the issuer as a loan which  has to be paid back every month. Application process is a little difficult & card issuer considers credit score with other details of the applicant. Has an easy application process & is usually offered as an account service. Credit limit is decided at the time of issue & may change over time as credit capacity of borrower changes. Spending limit is the amount available in your bank account. Using a debit card does not affect your  credit history. Credit card activity affects your credit history. First Convenience Bank www.1stnb.com Banking services are extended throughout Texas, New Mexico & Arizona. All loans and collateral subject to approval First National Bank Texas | NMLS #402924 | Member FDIC | Equal Housing Lender