When you pay using your debit card, the money for the transaction is coming directly from your checking account. On the other hand, with a credit card, you won’t immediately be charged. You are accruing expenses. Every month, you will receive a credit card bill. If you don’t pay the bill off right away, you will have to pay interest on your purchases.
You will also need to set up a PIN when you open a debit card. You don’t need a PIN with a credit card. However, you are still able to run your debit card as a credit card where you sign for a purchase rather than using your PIN.