<prompt> Akaretsa phapang lipakeng tsa karete ea banka le karete ea mokolotonan  <response>: Instruction in English: Summarize the differences between a debit and credit card . Response in English: A Debit card is directly linked to a checking account, allowing users to spend money they already have. Transactions with a debit card are deducted immediately from the account balance. In contrast, a Credit card allows users to borrow money up to a pre-approved limit to make purchases, which must be paid back with interest. With a credit card, transactions are not immediately charged, giving the user a grace period to pay the balance. Additionally, credit cards usually come with rewards and benefits, while debit cards typically do not, and credit cards can help build credit history, whereas debit card usage is not reported to credit bureaus. . Response in Sesotho: Karete ea Debit e hokahane ka kotloloho le akhaonte ea ho hlahloba, e lumellang basebelisi ho sebelisa chelete eo ba seng ba ntse ba e-na le eona. Lichelete tse nang le karete ea banka li ntšoa hang-hang ho balanse ea akhaonto. Ka lehlakoreng le leng, karete ea Mokitlane e lumella basebelisi ho alima chelete ho fihlela moeling o lumelletsoeng pele ho reka, o tlamehang ho lefuoa le tsoala. Ka karete ea mokitlane, litšebelisano ha li lefelloe hang-hang, e leng ho fa mosebedisi nako ea mohau ea ho lefa chelete e setseng. Ho feta moo, likarete tsa ho reka ka mokitlane hangata li tla le meputso le melemo, athe likarete tsa banka ha li na tsona, me likarete tsa ho reka ka mokitlane li ka thusa ho theha histori ea mokitlane, athe tšebeliso ea likarete tsa banka ha e tlalehe liofisi tsa mekitlane. 