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Debit and credit cards differ basically in the payment method.

Paying with your debit card means paying for your purchases with the balance in the account associated with the card, so if you do not have enough balance in the account at the time of purchase, you will not be able to pay with the card. By contrast, when you pay with a credit card, you don't pay for purchases with the balance in your account at the time of purchase, but with the credit you have available in your card (up to the limit set in the contract), which you repay at the end of the agreed settlement period. More information.

What is MyCard?
MyCard is new type of card which combines the advantages of a credit card with the convenience of a debit card.

By default, transactions are debited the day after its confirmation. You can view details of upcoming charges in the app, from the "Accounts" section. More information.