To help you decide which personal account package is right for you, check out the card comparison chart below. Remember, a debit card is linked directly to your personal account, while a credit card, such as MasterCard, is not. With a debit card you are charged the amount right away - on a credit card you are charged once a month. For many people, having more than one card is very handy – as if one is ever lost, you still have the other.