Here is the part where a debit card is explained in simple man's terms: "They can be used for most kinds of transactions and cash withdrawals from ATMs, but unlike credit cards, which rely on borrowed money, they function like electronic chequebooks by drawing only on whatever cash is available in current accounts." This is the funniest thing I ever read. I have been bashing my head on a wall for a long time asking, "why, oh, why can we only spend money on credit when I have it in my bank?"

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