 TITLE: How to Maximize Rewards by Switching From Debit to Credit CONTENT: What's the Difference Between Credit and Debit Cards?\n-----------------------------------------------------\nAside from their few similarities, the way these cards function is pretty different. Debit cards pull from the available balance in your checking account, while credit cards use a bank's money to cover purchases with the expectation that you'll pay the debt back later.\nThat means with debit cards, you usually won't be able to spend more money than you have—which can be good for people prone to overspending. But with a credit card, you'll be able to spend up to a preset limit (credit limit) assigned by the bank—which can get expensive if you spend more than you can afford each month.\nThe other major difference between a debit and credit card is the possibility of rewards that comes with using a credit card. To encourage consumers to use their products, credit card issuers offer cash back and reward points to users based on how much they use their cards. Rewards are typically offered for each dollar spent, and over time they can add up. END