they are probably all crooks (all the major corporations), especially the employees... ... ..... Anyway, you don't have to put money in the bank to use a credit card. In fact, it so happens I don't have a bank accouint with CitiBank, just the credit card. Nice features are no annual fee and "dividends" (cash checks back!) for 5% of any charge with pharmacies, super markets and gas stations, and 1% back on other charges!.
Robt.