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Debits and credits (abbreviated "dr" and "cr") are unique accounting tools to elucidate the change during a specific account that's necessitated by a transaction. In other words, instead of saying that cash is "increased" or "decreased," it's said that cash is "Debited" or "credited."

When you have to do so, it is only because you don't really have much of an alternative. Much of the instances revolve around your inability to deal with expenses that come up all of a sudden. In these circumstances, you will always look for a way to attain the funds at a short notice and that too against viable terms. In a way, you can then consider applying for debit card loans.