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[–] GreenSlug 0 points 2 points (+2|-0) ago 

?????

Debit card, access your bank account to use the money you put in there.

CREDIT card, uses money you dont have and charges interest rates onto that money.

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[–] clamhurt_legbeard 1 point 0 points (+1|-1) ago 

Debit card is just moving numbers around. You're creating fake currency out of nothing.

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[–] Rellik88 0 points 1 point (+1|-0) ago 

Fun fact, the money in your account. Isnt yours anymore. Hence why they pay you interest. You can withdraw it, to get it back. However the bank can also not give it back.

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[–] Empire_of_the_mind ago 

I don't think that's really true but you are on the right track. When you spend on a debit card the ledger is adjusted within your banks money - they don't "settle" it until later, usually done in a batch overnight. That is when the actually money is removed from your account and sent to the account of the payee. In order to increase the money supply they would have had to issue the currency permanently rather than temporarily (until the batch completes).

Credit cards actually do issue money but not when you spend it - that was done when the card issuer set your max borrowing limit.