The difference between debit cards and credit cards is:
Debit cards allow the holder to draw the money already deposited by the account holder. When the account holder pays money into her or his account, that amount becomes payable by the bank and receivable by the customer. So, it becomes as debit on the bank's side. With a debit card, the holder withdraws the 'debit' of the bank payable to the customer.
Whereas, credit cards allow the holder to lend money from the bank. The money used by the customer is provided from the bank's own funds. As the amount used by the customer becomes payable by the customer and receivable by the bank, it becomes a credit on the bank's side. So; with a credit card, the holder withdraws the 'credit' lent by the bank, and to be owed by the customer.
