<prompt> Human: Hi everyone,Im newly married and my husband and I want to merge our bank accounts. I have checking and savings with a great credit union, so my husband wants to close his other bank accounts to join mine. The problem is, we cant find any information on how the closing of his accounts would affect his credit. He has two credit cards with Capital One, a checking account with Capital One 360, and a checking account with Citizens Bank. Weve called each of these places, along with Experian, Transunion, and Equifax, to ask. NO ONE has been able to give us an answer. Capital One said they dont have the information for this, and that we needed to contact a credit bureau. Well, we contacted the three main credit bureaus, and they all were incredibly useless. They wouldnt give him a straight answer, and told him he needed to talk to his bank. We are hoping to buy a house in the next year or two, so we obviously want to keep our credit scores as high as possible. Does anyone have any advice? Thank you so much in advance!!  <response>: Checking accounts dont affect your credit score and credit cards do. If the credit cards have no annual fee, then he should keep them open. 