Use a Visa or Mastercard Debit card rather than a credit card. By using a debit card there is no loan as there is with a credit card. Therefore, since you are not borrowing money there is no over the limit fee or late fee as there is no monthly payment required.
If this is a Visa or Mastercard Debit card attached to your bank account make sure that you deduct any purchases from your balance so that you do not have a check bounce. Another way to get a Visa or Mastercard Debit card is to purchase a prepaid one from a store such as Walgreens.
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