When you open an account, you will receive a debit (bank) card—to withdraw and deposit money from Automated Teller Machines (ATMs) located at financial institutions 24 hours a day. You can pay for most purchases using your debit card. You can also make purchases using a credit card—these are convenient for making purchases over the phone or online.

A credit card is a plastic card that connects you to a credit company.

This means you can buy goods and services and pay for them later. Do not overspend on your credit card, these companies carry high interest rates.

Financial Consumer Agency of Canada's interactive credit card tool has information on credit cards.

Review the building credit and managing your money to learn how to the earn credit.

Follow the links to learn about credit card fraud and identity theft to protect you and your family.