When a person makes a purchase or pays for services using a “card,” that card doesn’t necessarily have to be a credit card, it may be a debit card. Debit cards are used to make ATM cash withdrawals and to make payments for goods and services. It closely resembles a credit card - small and plastic - and functions pretty much like one, except for one key difference: you are spending your own money.
Debit cards offer the convenience of cashless payments via Visa or Mastercard access without the credit facility that credit cards have. Your debit card is linked to one or several of your bank accounts and unless any of those linked accounts have overdraft approval, any purchase made is paid off from your own money. If no funds are available in the bank account, you won’t be able to use your debit card.