Difference in debit and credit cards

I’ve found there’s still some confusion on the difference between credit and debit cards. When you use a debit card and your PIN (personal identification number), the transaction is completed in real time, also known as an online transaction — you authorize the purchase with your PIN and the money is immediately transferred from your bank account to the merchant.
With a credit card, or using a debit card as credit, it's an offline transaction. The funds for offline transactions are deducted after the merchant settles the purchase with the credit card processor and typically takes 2-3 days to be reflected in your account balance.
Remember though that using a debit card doesn’t affect your credit score. However, using a credit card will affect your credit score. Credit cards and debit cards are very different products, each with their own advantages and drawbacks that should influence when and how you use them.