What is the difference between a debit card or a credit card?

I live in Canada. I have this red CIBC card that says "convenience card." How do I know if it is a credit or debit card? Is there any charges if i use them? I never used the cards before. I have a premium grown account. I am 16 if that matters. CIBC is a bank in canada. |||A debit card is a card that is connected to your bank account. Every time you use it, money is deducted from your bank account. A credit card is a card that banks issues to you. You can use the card whenever you need to and the bank will send you a statement to pay after the cycle ends. It's more like borrowing a loan from a bank where you need to pay at least the minimum amount every month. Since you're only 16, your card must be a debit card. In the United States, you need to be at least 18 to qualify to apply for a credit card.|||In the States a debit card is deducted from your bank account. A credit card is a line of credit that you must pay back at a prearranged rate. A CIBC card is more along the lines of a debit card. It takes money from your Canadian bank account.|||debit is prepaid (better if ur a not pay attention 2 price spneder...) and credit kills u @ the end of each month =D








its a debit card|||Don't know but call the number on back of the card and ask. See if you can look up the account online. Inquire.