@Benhm3
Do you mean credit card more than debit card because debit card is more allowing only what you have in account (unless you have overdraft) rather than on credit like a credit card which then asks you to settle the account monthly... ?

I think you have the right idea but 'debit' and 'credit' cards are slightly different with debit being the better and less reckless spending.

But overall yes spending what the bank might not have and usually doesn't as it's somewhere else or just based on mortgages (money loaned for houses) or other loans which haven't even started yet or take years to pay back but money get % on that... and so the cycle repeats.