One Man, One Card

There is a problem with the Indian bank cards. In India, we have two cards. One is a debit card and another is a credit card. My proposal is very simple – merge debit and credit card. Two cards don’t make any sense. There should be only one card. One card should act as a credit and debit card. So when a person wants to buy a good or service on credit then he can use the same card at the time of buying on cash (actually card).

I think it is doable. 

                                                    (Source: Wikimedia Commons)