From a bank's point of view, debit cards and credit cards are treated in identical ways.

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Debit cards and credit cards are treated differently by banks. Debit cards withdraw funds directly from a customer's account while credit cards allow customers to borrow funds that they must pay back with interest. Banks have different payment processing systems and may earn different fees from the use of each type of card.

From a Bank's Point of View, Debit Cards and Credit