Education·13 April 2026·5 min read
Credit card vs debit card — what's the difference
They look the same, but work completely differently. One spends your money, the other the bank's.
A debit card spends your money, from your account. A credit card spends the bank's money, which you must return — free if you pay on time, with high interest if you're late.
A tool, not free money
A credit card is not extra income — it's a loan. Used wisely (paid in full monthly) it's useful and safe. Used poorly, it's one of the most expensive forms of debt.
In Kosron Bank you can issue simulated debit and credit cards and see the difference firsthand, without the risk of sliding into real debt.
