<prompt> Human: I am extremely financially responsible and I have made a pretty decent amount of money for someone my age. I started a credit card about 3 months ago with a local bank, and I now want to switch to Charles Schwabb for a number of reasons.Will closing the credit card at my local bank hurt my credit? I havent missed a payment and I have my cc linked up to auto pay with my checking account.So my question is-would there be a downside to me opening a second credit card at Charles Schwabb or would it only help my credit?  <response>: I dont think Schwab offers credit cards. Ive had a checking account with them for 6 months and I dont think they do credit cards.Are you talking about a debit card, a card that pulls from your checking account? 