<prompt> Human: After 10 years Im finally closing out my Bank of America account-- shit customer service and fees. They were my first bank I was 15 so I dont have much experience with other banks or credit unions. Im 25 and have a secured credit card as well as a debit card with Bank of America. I really dont know much about finance and banking. Ive had some friends recommend some local banks that Im planning on setting up meetings with. Are there any key questions I should be asking? The only thing Im really worried about is that when I switch banks, I wont be able to get another secured credit card, which seems to be the only way I can build credit at the moment. Im too nervous to apply for a real credit card because I dont know what my credit score is Ive never had loans or car payments, Ive always saved paid in cash for everything and I dont want to apply, only to have my application denied and end up negatively affecting my score. Im also nervous I would get denied because Im currently in college right now so Im only working 25 hours a week, but with my wages I make about as much as most people who work minimum wage full time. EDIT: I found out I have a credit score of 690. I also found out I have a bunch of medical bills almost 1500 worth that went to collection without my knowledge dating back to 2011 because the bills went to my dads house and he was supposedly paying them. I was in the dark and I dont know what to do. Im paying them all off today but will this effect my chances of getting another credit card? Im straight up crying and dont know what to do. EDIT PT.2: waiting until Monday to handle the debt. Going to try to pay through the medical provider before contacting the collectors. EDIT 6417: I appreciate most of this advice! I feel like I need to make it clear that I DONT want a credit union. The concept is nice but its not conducive to my life style. I want to be able to contact the people in charge of my money and bank accounts whenever I need to and credit unions and most small banks close at 6pm. UPDATE: Called the medical providers about the bills that went to collections and they said I had to pay through the agency. Should I dispute the bills that went to collections? Or should I just pay them? If I pay them will they take them off my credit history? I dont know what to do. Assistant: Your credit card account is separate from your checking and saving accounts. You can close those and keep your credit card open.Edit: Fuck bank of americaHuman: Ohhh! I didnt know that!  <response>: I worried too because they made them look very similar. The bill pay after I closed my account made it look like It wouldnt work anymore and I would have to go in to pay at a bank. It took about on to three days, but their website updated the bill pay section and allowed me to pay my bills. Also, there is probably a free FICO score on the website. Even if its below average since you dont have much you shouldnt have a problem getting a real Bank of America credit card if you want since you have a history with them as long as its good so far. Im a student with loans, but was able to get the regular not student card and now have four with a GOOD rating 100 higher than what I started with as a studentbecause I pay my bills off each month and regardless of the fact that student debt is going up. 