Question


A.

im thinking about getting a credit card. help.?

so threw my school i have an hcconecard where they sent me the rest of my money.(that i got from financial aid) i started noticing now that whenever i use my card at the ATM machine (that they say is FREE on the website) they charge me $4 (online it says $2) so im getting really mad b/c those $4 have been adding up. i want to go with bank of america but i dont know anything about this and i dont want to make a stupid mistake. i dont need this as a credit card i dont buy anything online. i just want to have my money somewhere and then just go to the atm machine when i need money just to spent. if i do go with bank of america what do i need to take with me and do i have to wait to get a card so that i can use it?

1 month ago - 5 answers

Best Answer

Chosen by Asker

i have a bank of america debit card which is great. you put your money in a checking account and you use the money in there. make sure they put a lock on it so that you never go over and spend more than what you have because then they will charge you $35 for everytime you spend over. you don't need to take anything with you but you need to have your personal information and about $100 to start in your account. Also, the only atm that wont charge you anything on the bank of america debit card is a bank of america atm machine. Good luck.

by loser

1 month ago

Asker's Rating: 

Other Answers

Really mad?! Fureal!!

by Polly- 1 month ago

that is how they earn money. Well go to the bank and just need your ID but if you want to be prepared bring a printed statement or they can print it for you there.

by Wesley H- 1 month ago

The credit card companies need you. You don't need them. So be picky. 1) Don't accept any card with a annual fee. 2) Start with a secured credit card. 3) Don't let anyone else have access to your card or account.

by Turtle- 1 month ago

What you need is a debit card. You need to read all the fine print. Most charge you a fee to withdraw money if you use an ATM that the bank doesn't own. Sometimes the bank that owns the ATM charges you a fee and your bank charges you a fee. If you use the debit card to pay for purchases then you don't get charged a fee. If you use it to pay for something then you say it is a credit card, then you will sign instead of putting in your pin# that way no one can get your pin #. Just words of wisdom.

by kathy e- 1 month ago