Credit card vs debit cardOnline version Credit card vs debit card by Inma de la Torre Valero 1 Credit card 2 Debit card The financial entity lends you the money. You will have access to an amount of money that you can return in installments in the future. There are interest rates that depend on the signed agreement. You can pay in installments. They money comes from your own checking account. You can only spend what you have in the checking account. There are no interest.