Would the distinction be there are credit cards and then there are debit cards? Credit implies some sort of ability to be able to pay for something essentially out of the creditor's pocket with the agreement you will payback the creditor based on agreed upon terms. A debit card is a digital version of cash where if I don't have any, there is no transaction as the bank says no funds.

I have never heard of a debit credit card. Are we using the term credit card as a generic term meaning the little plastic card in my wallet?