Okay to start off you need a "Gravel Vacuum" for smallish tanks and a "python" for large tanks (like 55 and up i think?) and you just stick the thing in there to do water changes and gravel vacuuming. This doesnt disturb the fish unless you chase them around and whack them wirth it :P You change the water about once a week, more often when the tank is starting (cycling with fish) about 10-25%, depending on who you ask. If the tank looks pretty clean, all the fish look fine and nobody's been sick for a while, then 10% is okay but if it's dirty looking or the fish are looking unhappy then you should do a larger one. Yes you can use a credit card to scrape algae, some people use a special algae magnet that cleans it without you getting your hands wet. None of this is very expensive, though the python (for big tanks) can be about $30 (US). Gravel Vacs are much cheaper. I got mine for $5. Not sure if you know but you also need a dechlorinator/detoxicizer like Aqua safe, Stress Coat, etc.
anything im forgetting just ask for clarification
good luck!
