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One difficulty in using online debit cards is the necessity of an electronic authorization device at the point of sale (POS)
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A debit card which physically resembles a credit card, and, like a credit card, is used as an alternative to cash when making purchases.    more...

A credit card system is a type of retail transaction
 settlement and credit system, named after the small plastic card issued to users of the system. A credit card is different from a debit card in which, during every transaction, the money from the users's account is removed.   more...
The funds are withdrawn directly from the purchaser's current/checking account at a bank or credit union.   more...

Credit card system
There are currently two ways that debit card transactions are processed: online debit cards and offline debit cards.

It is also different from a charge card (though this name is sometimes used by the public to describe credit cards), that require the balance to be paid in full each month. In contrast, a credit card allows the consumer to 'revolve' their balance, at the cost of having interest charged.       more...
But in case of credit card, issuer lends money to the consumer (or the user).   more...
Online debit cards require electronic authorization of every transaction and the debits are reflected in the user’s account immediately.
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