<prompt> Human: I have a chase savings and checking account. Im thinking about using most of my savings to pay off some student loan debt, but of course if you do not keep the min in the savings, they charge you 10 a month or whatever the fee is. As a result, i was considering closing my savings account and only keeping the checking. Would there be any negative to this? For instance, would it matter on a credit reportrating that i closed my oldest savings account? Does it matter that i have no savings account, etc?  <response>: No. Only way a checkingsavings effects your credit rating is if it goes into collections. 