you get points on your debit card depending on your bank also you dont get a bill or interest the money comes right out of your checking account first it comes out as a authorazation sorry for poor spelling then it debits your checking account usually overnight so you have to watch it with a debit card which has no pre set credit limit because it can overdraw your checking account and cause very hefty overdraft fees using your debit card is just like writing a check and if you use all the money in your checking account your debit card will not work a credit card has a pre set credit limit wich when you use all the credit limit and try to use the credit card you will have a overlimit fee the overlimit fee is different depending on your bank I am not a banking expert but I have used both a debit card and a credit card so I know how each one works I hope I answered your question for you Gene G Jr