While debit cards and credit cards are alike in appearance, they differ in one critical aspect: A debit card withdraws money from a bank account, while a credit card creates a loan. Think of them as "pay now" (debit) versus "pay later" (credit).
Test your credit
card timing savvy
When it comes to credit, timing is everything. Take this quiz to find out whether your credit clock is tuned like a fine Swiss wristwatch or the busted timepiece that's right only twice a day.
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Try our easy-to-use financial calculators.
Find out what it would take to pay off your balance, the true cost of making minimum payments, whether a cash-back or low-interest card is better for you -- and more.