which of the following helps to purchase goods and services without making spot payments and zero balance in the account?
1.debit card
2.credit card
3.kisan vikas patra
pls explain with details

'Credit card' allows a user to purchase goods and services without making spot payments. Spot payments are payment transactions which are settled within two business days.Also, Credit card allows the user to make payments on credit even if he has zero balance in his account.

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debit card
this card is only given to trusty people .
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