Debit cards are similar to credit cards. However a Debit card debits the funds directly from your bank checking account upon approval of the funds. Credit cards will allocate the funds and charge upon shipping of your items. The main difference for most is that some banks usually institute a daily charge limit on debit cards, causing some orders to be declined if the order total is greater than the daily charge limit. If this happens to you, you may wish to contact your bank and request a one-time waiver to the daily charge limit.