They are called DEBIT CARDS and you can use them like a credit card to buy stuff online etc. but it is connected to your bank account so you can only spend whatever money you have in that account so you can't go into debt and spend more money than you have. With a credit card you get a limit and have to pay the money back with interest, exactly like a loan. You should not be able to get a credit card at your age anyway. I would strongly advise you not to even consider a credit card until you have a full time job. I am an adult and only have a $500 card for emergencies and if I use it I pay it off in full before payment is due. I hope I answered your question.