Whats the difference between credit cards, payday loans, budgets and debit cards

Debit cards are just cards that every time you make a transaction it takes that money out of something most people call a debit account. you have to put money in this account though. And a budget is an amount of money that you have to spend in say a week or a month. but you limit this amount of money so you dont overspend. not to sure about the other 2 but I hope this helps

A debit card is linked to a checking account at a bank that you have to open. When you use your debit card, you are spending your own money that you have placed in this account. A credit card is given to you by a company if you apply for it and are approved, and it has a monetary limit (ex: $15,000). You can spend any amount of money on this card as long as all of your purchases total more than the limit. You then get sent a credit card bill, which means that you have to pay back all of the money that you spent with interest. A budget is an allotted amount of money that you are allowed to spend within a certain time span. A payday loan is a small loan from a bank.

The first one is the one