A debit card is a tool that is connected to your bank account. Everytime you use your debit card, money will be taken out of your bank account. Think of debit card as your cash but held on a card. Also you can only spend what you have on your card. If you have only $3 left, you can't buy a $10 snack. 

A credit card is another tool that you can purchase items with. However, instead of using your own money, you're borrowing money from the bank. Every time you swipe your credit card, you owe the bank money. At the end of each month, the bank will send you a credit card bill and it shows you how much you spent with the card. However, if you do not pay the full amount back, they will charge you interest.

Now you know the options, but which one do you choose? When you are young or inexperienced, you should choose a debit card. The debit card allows you to make everyday purchases like food without worrying about the monthly bill. Just don't lose the card because you won't be able to get your money back. When you are older and more responsible, a credit card is better suited to you. Credit cards also have fraud protection. If you lose a card, you can freeze your account so no one can use it. Some credit cards also have reward or point systems. A reward system is the credit card company paying you back for using their product. Things to keep in mind: if you do not pay the full bill, you will be charged interest. Always make sure to pay the full bill because the interest is compounded. It would be extremely difficult to pay off the bill. As you use your credit card and pay your bills on time, your credit score will slowly rise. However, one bill missed and your score drops significantly.