<prompt> Human: I want to start building credit with minimal purchases. Currently I plan to just put a month bill of 5 for the student packaged of Spotify premium and Hulu. Maybe eventually a few small purchases like a smoothie when I know I can responsibly pay on time. Im thinking going with my Credit Union is better, but Ive heard good things about Discover.  <response>: My girlfriend who just graduated college got a Discover It credit card as her first credit card. Its a 5 rotational cash back credit card that doubles your cash rewards for the first year. She had no prior credit history so luckily she got approved for her Discover card. Shes had no problem with it and her credit score has increased a decent amount over the course of only 7 months. Ive never heard about Delta Community Credit Union, so I dont really have any input on that. 