The word “polar” qualifies the sharing within a covalent bond; it does not require complete transfer of an Electron or an isolated cation–anion pair. In , the signs identify the relatively electron-poor and electron-rich ends, while leaves the amount unspecified. A neutral Lewis structure can give both chemical atoms zero formal charge and still correspond to a polar covalent bond: equal division of the bond pair is a formal allocation, whereas bond polarization concerns the actual electron density.
Local and molecular descriptions answer different questions. Calling one chemical bond a polar covalent bond does not establish that the whole molecule is a polar molecule. Combine the bond dipoles with the molecular geometry, then check for molecular dipole cancellation. This lets a short electronegativity comparison explain a local tendency without confusing it with the observable electric dipole moment of the whole molecule.
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