When you make a purchase with a debit card, money is automatically deducted from your savings or money account. You can only spend the amount of money available in your bank account.
A charge card requires you to pay all charges in full at the end of the billing cycle. It is not a line of credit and no interest is charged.
A credit card allows you to make purchases and pay for them later by using a line of credit extended by a bank. Interest is charged based on the terms of your Card Agreement. Some credit cards require you to pay an annual fee.