<prompt> Human: Im thinking I can just use one app and one bank. I rarely use my debit card. 6 months ago I was approved for a secured cap one and 4 months ago I got an unsecured. All my spendings go on the cards and I only use my checking account from the credit union to pay off the statements.Just salty that my credit union didnt approve me for a credit card. I get my credit file is thin but Ive been with them for 5 years.Would it be bad to close my credit union account and just have capital one as my main credit card and online checking account?  <response>: Its occasionally convenient to have access to a brick-and-mortar bank or credit union. Id say, research what you have to do to avoid inactivity fees with your CU, then leave just a small amount in the account and do the minimum to avoid any such fees, while moving your primary banking to an online bank. 