Hey. Do you know the difference between a credit card and a debit card?

When you use a credit card, it basically means you’re taking a loan from your bank. If you pay the full amount each month on time, there is no extra cost. But if you only pay part of the balance, it can get very expensive. You’ll be charged interest, and if you’re late, there could be penalties as well.

A debit card, on the other hand, takes the money directly from your bank account, so you don’t have any interest charges or fees.

So, a debit card is more like operating with cash, while a credit card is more like taking a loan.

Most credit cards limit the amount of money that can be charged. With a debit card, your only limit is the amount in your bank account.

For more information on credit cards, visit southernbank.com/getwell. See you next time on Money Matters!

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