<prompt> Human: Im only 19.Hi, I just got approved for a Discover It Student credit card. Does that mean Im part of Discover Bank now?I currently have a Bank of America checking account for students and a debit cardalso Bank of America.What is the difference between a bank and a credit card? I thought they were the same thing. If they are not the same, then what bank should I get? Do banks force you to have their own creditdebit card? Can I use a Discover card for lets say... Citi bank?  <response>: PLEASE do not use financial products until you understand them. There is so much misconception weirdness in your post I dont know where to start. You are not part of Discover bank. You are a credit card customer of Discover bank. A bank is where you deposit your money in a checking or savings account. A credit card extends credit, e.g. you borrow the issuers money temporarily, then pay them back. Two entirely different, opposite things. You do not deposit money into a credit card unless it is a secured card backed by a savings account -- a typical option for people with no or bad credit. This is not your case. You should have checking savings accounts AND a credit card. Banks do not force you to use their own pet credit cards. You can apply for a card from anywhere. In your case you can have checking savings accounts at any bank or credit union you like; it wont affect your credit card from Discover. There are probably no benefits for concentrating banking and credit card all at one bank. 