<prompt> Human: So, it isnt necessarily a problem, but I dont know what to do.Ive been with US Bank for a little over three years, and have always had a savings account. When i started college, I applied for a student credit card with a 300 limit, and got approved. Today, I went in to open a checking account so I could have access to a debit card, so I wouldnt be usingmaxing out my credit card.Either I wasnt paying attention, or the guy who was helping me slid it in because he thought it would help me. He said something along the lines of the credit card you have, seeing how you pay it off on time every month etc etc, you should get a new one. I agreed kinda went with it, thinking I would do it another day. I signed a paper that said showed all of the different interest rates everything because I was under the assumption that he was just increasing my credit limit on my current card.I get a call around an hour ago, with him explaining to me that ive been approved for said credit card with a 5k limit.Now, Ive brought it up to a few people, most of which have told me to keep it close out the student card both the student card new card being linked to my savings, and just have the new 5k card in the event anything goes crazy.I was told that there isnt any fee to close the card if I choose to do so.What should I do?  <response>: As others have said, keep both cards. The 5k limit is good for two reasons: 1 Emergency access to up to 5 thousand dollars. 2 Your day-to-day credit usage will always be below 30 utilization, which is good for your personal credit score.Please be aware that the guy helping you at US Bank was not being nice. He gave you a credit card because getting people to signup for stuff is his job, whether they need the card or not. The bank makes money by giving kids credit card limits that encourage overspending, then making 20 interest off any balance you carry.A word of advice: read everything in the sidebar for credit and debt. If you are anything like the average American assuming American based on your question you are now the closest you have ever been to destroying your finances. Credit card debt is a scourge. Do everything you can to never carry a balance, the average American household that has CC debt owes a whopping 16,048, growing every month they dont pay it down. Welcome to pf, please learn from other peoples mistakes. 