A debit card spends your own money instantly; a credit card borrows the bank's money to be repaid later.

Credit cards offer stronger fraud protection, rewards and credit-building, but only if you pay in full each month.

Debit cards make overspending harder and never charge interest, but build no credit history.

The smart move for many people: spend on a credit card for protection and rewards, then pay it off in full every month.

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