<prompt> Human: I just applied for my first credit card, The Capital One Journey Student card. Im in college and have never had a credit card but got denied and I really know nothing about how credit works. Should I apply for a different card or should I wait so my credit doesnt take a hit, if so for how long? I dont know what my credit score is Im assuming its zero but I want to work on building credit for the future. Assistant: Discover is the company that is most enthusiastic about giving CCs to people with thinno credit.I would ask them.Human: Would it be better to try going into a credit union near me or trying Discover, and also should I wait a week so I dont get too many inquires?  <response>: Discover has a secured credit card that they readily give out to those with low or no credit. Its not really risky for them - you secure the card with a 200-300 deposit, and that deposit represents your credit limit. After so many months of on time payments they will upgrade the card to an unsecured one and return your deposit. Other institutions may offer secured cards, but Discovers seems to be the easiest to get and they also offer some pretty good cashback opportunities with it. 