Credit card or Debit card?

Credit card



An example of the front in a typical credit card:
1. Issuing bank logo
2. EMV chip on "smart cards"
3. Hologram
4. Credit card number
5. Card brand logo
6. Expiration Date
7. Card Holder Name
8. Contactless chip

Interest charges : Yes

How it works : Buy thing first, then pay later. Kinds of short-term loan.

Fees to customers • Late payments or overdue payments
• Charges that result in exceeding the credit limit on the card
• Returned cheque fees or payment processing fees
• Cash advances and convenience cheques
• Transactions in a foreign currency
• Membership fees
• Exchange rate loading fees

Debit card




An example of the front of a typical debit card:
1. Issuing bank logo
2. EMV chip
3. Hologram
4. Card number
5. Card brand logo
6. Expiration date
7. Cardholder's name

Interest charges : No

How it works No money in the bank account, no transaction made.

Fees to customers • No late payments or overdue payments
• No charges that result in exceeding the credit limit on the card
• No returned cheque fees or payment processing fees
• No cash advances and convenience cheques
• Transactions in a foreign currency (depends to banks)
• Membership fees
• No exchange rate loading fees

- taken from Wikipedia.org -