Credit Card Question?

I'm 24 and graduated college last year. I only have a bank of america credit card. The limit is $3000/month. I also only have a bank of america student checking account that i opened 4-5 years ago and i still use it. I know credit cards have those high interest rates but are those rates only if you don't pay your bill on time? I never understood what it meant by credit card and high interest rates. I never had to pay any fees with bank of america when using their credit card. I still receive those mails from chase, discover, citibank etc asking me to sign up for credit card and low apy fees. I wouldn't mind getting another credit card because of my $3000 limit with BoA. Last time i asked for a limit increase but i told them i had no job and they said they couldn't increase it because of that reason. Would it be a good idea to get more credit cards? I don't usually spend that much money per month but there were a few times where i hit my limit for the month and couldn't spend anymore money on my credit card. If i sign up for a chase or citibank credit card, would it cost me anything if i use the card rarely? Also, if i have a credit card with chase, citibank, that means i would have to get a checking account with them correct to pay the credit card bill online? I pay all my credit card charges using online banking with bank of america.

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