What type of card allows you to spend money you have not yet deposited into an account?

The correct response is associated with an overdraft. An overdraft is a financial arrangement provided by banks that allows account holders to withdraw more money than they have in their current account, effectively enabling them to spend money they have not deposited. This can be particularly useful for covering unexpected expenses or managing cash flow issues.

With an overdraft, you are essentially borrowing money from the bank, which you are expected to repay later. The bank typically charges interest on the amount overdrawn or may apply other fees, so it is essential to understand the terms of the overdraft facility.

In contrast, a prepaid card requires you to load money onto the card in advance before you can spend it, while a current account is simply a type of bank account where you manage your money, usually without the ability to spend beyond your balance (unless an overdraft is in place). A store card, on the other hand, is primarily used for purchases at specific retailers and often has its own credit terms associated with it.