There are different types of payment cards: the regular bank card, the credit card and the prepaid card. The ordinary bank card and the credit card are the most commonly used payment cards. I prefer Debit Card. By Debit Card, you can withdraw cash or make electronic payments. The amount is then immediately deducted from your current account.
In some cases you can go into the red with your debit card. You need permission from the bank for this. He then actually lends you the money that you lack. But such a loan costs money. How much? That depends on your bank.