Whats the real meaning of Debit and Credit ?

EX

debit card you use your own money, credit card you enjoy the money of the bank and pay back later

I am not the expert. My understanding is that my debit is the money I have to pay and my credit is the amount I can spend now and pay later.

Debit what comes in and credit what goes out. Its the Golden rule of Accounting.

the real meaning od debit and credit is what comes in credit and what goes out is debit from and account.

Accounting is a logic.It is designed as follows:

Debits and credits are two sides of an account in the double entry system of Accounting..

(1)Assets, Expenses,loss are debits .

(2)Liabilities, revenue receipts,profis are credits. 

(3)When ther above debits are credited, that goes to reduce the account. Whe the above credits are debited ,it goes to reduce the account.

(4)When the above debits are debited, it goes to increase the account.When the above credits are credited, it goes to increase the account.

In very easy words.

Which is coming to you is your debit, It is credit for other party.

and Which is going from for you is credit.  It is debit for other party.

Which is going out  is credit

Which is coming in is  debit

When you have a Debit account/ card, it means you'll be the one responsible in depositing a certain amount in that. Which is based on your financial status. How much do you have in spare to deposit in your account without limits. While having a Credit account/ card, the bank will provide you a specific amount (let's say $10,000) and you will have to pay that within the period the bank will tell you.