🎯 Goal: Understand a debit card spends money you have (unlike a credit card that borrows); keep the PIN secret.
A debit card (ATM) spends only money you have. A credit card borrows now, pays later. Always keep the PIN secret.
Let’s explore
💳
Debit card: when the account is empty, you cannot spend — hard to fall into debt.
↔️
Different from a credit card (borrow first, can fall into debt if unpaid).
🔒
Tell no one your PIN; cover your hand when typing at an ATM.
Practice activity
🤔 What is the core difference between a debit and a credit card?
Worked example: You tap a debit card for a 300,000d shirt — money is taken from your account now. If the account has only 200,000d, you cannot buy it. A credit card lets you buy first and pay later.
Quick quiz
1. A debit card spends?
→ Money you have in the account
2. Core difference from a credit card?
→ Debit uses your money, credit borrows
3. The PIN should be?
→ Kept secret, covered when typed
4. A debit card makes debt unlikely because?
→ No money = cannot spend
5. Account has 200k, buy a 300k shirt with debit?
→ Cannot
🎯 Real-life mission
Learn how to use a debit card safely and why never to lend your card.