<prompt> Human: I am a 20 year old college student with no credit. I currently have a job on campus paying 10hr and have secured a summer internship paying over 20hr, so I have income coming in and will in the future. However, Im afraid my lack of credit will get me rejected from Capital One for their Journey card, since I have never had a credit card before. I understand that Discover isnt accepted as much as MasterCard and Visa though. I applied for a credit card at my bank last summer and got rejected. I was wondering if anyone has any suggestions on which card to sign up for? Capital One seems like the better card, but possibly more difficult for me to get accepted, but Discover isnt taken everywhere, so Im unsure which one to apply for.  <response>: Discover customer service and quality of ownership is much higher than Capital One, imo. I have nothing but positive things to say about my experiences with Discover. As others have said, pay the card off in full each month, dont carry a balance. This should be how everyone looks at credit cards. The balance will catch up with you, and it wont be fun. Just look at a cc as convenience, not free money or a payday loan and youll be fine. 