Debit cards are used to pay for things in shops and online, and to withdraw money from cash points.

When you spend the money, the money is taken from your bank account.

Some debit cards are now contactless, meaning that if you spend less than £45 you do not need to enter your PIN.

Credit cards are like debit cards as they allow you to buy things, however the money spent on a credit card can be taken from the user at a later time.

The money that you pay on a credit card goes onto a bill that you need pay. Using a credit card is borrowing money from the bank. Also if you borrow that money you need to pay it back or the amount of money might increase e.g, If I borrowed £2000 on a credit card and I took six months to pay it back I might be charged interest on what I still owed every month I didn't pay it all back .