To OP: How do you pay your credit card bill?
I make enough to cover them with biweekly paychecks. Salaried, full time.
What do you do with your paychecks when you are paid? Are they deposited into your savings account?
Most banks offer free/basic checking accounts for people with direct deposit and/or with small ($500~) minimum balance and/or if they use their debit card "x" (usually around 5) times per month