Re: atm card
If it's just an ATM card, then no, you won't be able to use it as a credit card. It has to be a debit card, you usually have those with checking accounts and not with savings accounts, depending on the bank though, they might let you have a debit card with a savings account.
And it's true that it has to have a visa or mastercard logo on it for you to be able to use it as a credit or debit card. And there's usually a limit on the amount of money that you can withdraw with an ATM card, so watch that. I tried to withdraw more than my limit one time and the machine ate my card.
When all else fails...Ham Radio!
I still have the same old HP DV9700T laptop I've had for years...still kickin'