How do credit cards work? Thinking of applying for one but want to know more about the limit, interest, and such?
When we apply for a credit card, do they come with a bank account attached to it? I'm planning to apply for one with Citi.
Also is it possible to not use the credit limit given so I just use below the balance i have in the account so I do not have to pay the hefty interest fee that our parents always preach about credit cards?
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