Repeated offenses are severely penalized. Every bank or savings and loan association will have several types of saving accounts. The four most widely accepted credit cards are VISA, MasterCard, American Express, and Discover. You may apply for a credit card from your bank or through the many offers that will come through the mail. Beware of accepting too many credit cards.
Most cards have annual fees and very high interest rates on unpaid balances.
ATMs are located at the banks themselves and at other locations such as supermarkets. Withdrawals and deposits made at the ATM will be subtracted automatically from your savings or checking account. Be sure to save the transaction receipts and keep accurate records so you do not overdraw your account. Once a month you will receive a statement showing the total amount that you owe. You will have the option of paying only the required monthly payment and owing the balanc and corresponding interest charges or paying the entire amount owed, thus avoiding interest charges.