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cards of both payment systems can be both debit (the client uses only his own funds) and credit (the client uses the Bank's money and repays the loan on a monthly basis). There is also an intermediate option � debit cards with overdraft. In this case, the card holder uses his own money, but if necessary, can go into the negative and use borrowed funds. Credit cards have a credit limit, as well as a daily spending limit, Visa Classic, Visa Business and Mastercard Standard have it lower than premium Visa Gold, Visa Platinum, Mastercard Gold and Mastercard Platinum.