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.