Is The Debit Card Same As Credit Card?

I have found many debit cards on some website. They say these kind of card can substitute credit card and more safty.

Is that true? Is there any Request to have debit card?

A debit card is not the same thing as a credit card. A debit card is typically attached to your checking account. If you use the debit card to make a purchase, then the money will be deducted from your checking account as a result.

 

Just to add to Steven's response:  a credit card, on the other hand, allows you to purchase things with money you may or may not have.  After so many days, usually 20 to 30 days depending on your contract with the credit card company, you will get a bill for your purchases.  You can pay the balance you owe in full by that deadline, but at the very least, you must pay a minimum amount set forth by the credit card company, which will  $10 or 2% of your balance at least.  If you do not pay the balance in full by the deadline set forth by the credit card companies, they will charge interest on your account, which usually varies between 0% (for special cards) to as high as 38%. 

 

With a debit card you won't have to worry about collections as the money that you used for your purchases was already "available." The amount that you are going to use depends on the balance on the card. A debit card is also like a prepaid card (money is stored in it) and a credit card is like a postpaid card (pay later).

Doubleickey24-be careful because that is not entirely true. If a person overdrafts their checking account (for example, making a $500 purchase when there is only $50 available) and cannot pay that amount back fairly quickly the bank can send that overdraft "account" to a collection agency instead of trying to handle it in-house for an extended period of time.