Which card is linked directly to your bank account and uses your own money?

A debit card is the correct answer because it is specifically designed to be linked directly to your bank account, allowing you to spend money you already have. When you use a debit card for a transaction, the funds are withdrawn directly from your checking or savings account in real time. This means that the purchases made with a debit card do not create debt, as you are only using your available balance.

In contrast, a credit card allows you to borrow money from a credit limit set by the card issuer, which means you are spending money that you do not currently have in your bank account, accruing debt that must be paid back later. A charge card functions similarly to a credit card but typically requires the balance to be paid in full each month, without a preset spending limit. A cash card may refer to a prepaid card which is loaded with a specific amount of money, but it is not typically linked to a bank account in the same way a debit card is.

Thus, the fundamental characteristic of a debit card is its direct link to your bank account and the immediate use of your own funds for transactions.