The short version
- Debit spends money already in your account.
- Credit borrows money you repay later.
- PIN debit and signature debit can follow different networks.
Immediate versus delayed
Debit usually reduces your balance quickly. Credit creates a balance due on a statement.
Overdraft risk
Debit can trigger overdraft if coverage is enabled and funds are short.
Disputes
Error-resolution rules differ; read your bank’s disclosures.
Debitova is not a bank
We explain mechanics, not which card to carry.
Debitova is an information website, not a bank, lender, credit service, investment firm, or financial adviser. We do not lend money, open accounts, manage investments, or hand your details to banks, lenders, or other companies. The guides are general information, not financial, tax, or legal advice.