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okay so bank offered me a credit card or a debit card which one is best well debit cards take money straight from your bank account and then the credit card credit cards borrow someone elseamp;#39;s money but if you donamp;#39;t pay it back 100 you could owe interest okay just tell me which oneamp;#39;s better if you can be responsible with them credit cards because they also build your credit if you want to ever buy things like a nice house or a nice car and you can even travel for free with the rewards points