Choosing the right bank is very critical. Do some research about their fees and charges. If you don’t have time read their booklet, call them directly or visit the branch and ask them in person about what is the fees and charges briefly. Some banks are not charging monthly fees anymore for everyday personal account.
Also find out about VISA or MASTERCARD Debit Card that can be linked with your personal bank account. Those are the perfect alternative to replace your credit cards. You can still do transaction online and worldwide as normal credit cards. You will not worry about late payment fees & interest charges anymore, because you are spending your own money.