<prompt> Human: I have my money split across two banks, a state credit union and Wells Fargo, but I want to close my WF accounts. I get better interest rates at the credit union and Im concerned about the security at WF notably how passwords arent case-sensitive. I have a credit card at WF with a really low credit limit since it was my first credit card. I understand its not a good idea to close a credit card unless absolutely necessary as it hurts your score and Im only 23. Ive never had to do anything like this so Im unsure of the process, but can you have just a credit card at WF? I know at the credit union you have to have a savings account to establish yourself as a member.  <response>: You can still keep the credit card. I started with a checking and savings account with WF and opened a credit card after. I closed my bank accounts after I switched banks and kept the card. 