@knowpronto,
Hello Friends,
An ATM Card allows you to withdraw money provided you have an bank amount and enough cash is there where you can remove money from your account if you go after banking hours. A Credit Card allows you to buy goods off the counter even u don't have amount in Bank but yes when the bill of credit comes, you should pay by cheque or else they will make your life miserable which says we give credit but payment should be done on time.
Thanks and Regards,
Gregorys Simp