Final answer:
Using a debit card transfers money directly from your bank account to the seller, which can lead to rejected transactions or overdraft fees if you spend more than your available balance. Debit cards are convenient but require careful management of your bank funds to avoid additional charges.
Step-by-step explanation:
Using a debit card is indeed more directly linked to your bank account than using a credit card. A debit card, much like a check, serves as an instruction to your bank to transfer funds immediately from your account directly to the seller when you make a purchase. This means the money you spend is the money you already have in your checking or savings account.
If you attempt to spend more than the available balance in your account, the transaction may be rejected, leading to the inconvenience of finding an alternative payment method. Some banks, however, do allow you to overspend but will charge an overdraft fee, which is often expensive. Therefore, it's crucial to monitor your account balance to avoid such fees or transaction rejections when using a debit card.