Debit
A debit card is tied to a checking account. A purchase draws on money you already have, and the record appears on your account statement.
Credit
A credit card lets you borrow up to a limit. You get a statement and a due date, and interest generally applies to unpaid balances. Use is reported to credit bureaus.
Prepaid
A prepaid card holds money you put on it. It is usually not tied to a bank account or credit history, and fees and protections vary by card.
Your protections
Protections for lost cards or disputes differ by type and issuer. The card terms and the CFPB’s website explain the details. We do not offer cards or advice.
Ledgano is an information website, not a bank, lender, credit service, investment firm, or financial adviser. It does not offer loans, credit, accounts, or investments, give personal financial advice, match you with providers, or share your details with banks, lenders, or other partners. Nothing here is financial, tax, or legal advice.