<prompt> Human: The main reason Im asking is not because I want to spend money, but actually start building up my credit. I know Im a bit late, but I want to learn how to do this right. A while back I went to a Chase bank and they told me something about having to deposit 200, and that would be my limit. And I would have some sort of special credit card which would I would pay for a year, and then I would get a regular credit card. Anyways, other than asking my parents or something, what are my options here?P.S. Ive been thinking about going to a credit union there is one fairly close to where I live. Thanks for your help!  <response>: Im not an expert on credit cards, but heres a bit of what Ive learned from personal experience...I opened a Discover card when I was 20 and in college because I was interested in starting to build up my credit as well. They dont have an annual fee for having the card and Ive never paid anything late so the interest rates werent much of a concern. My credit limit was 500 starting, which was more than enough for me. After two years of small purchases and paying everything on time and in full I never made any purchases that I could not pay off immediately, I have a credit score of 770. Discover also provides your free FICO credit score after youve established one it will take a while for you to build a credit history, etc. An added bonus, Discover has a decent Cashback bonus program with gift cards to Chipotle. CHIPOTLE! And to put the bow on top of everything, I feel like their website is incredibly user friendly.TL;DR, I think Discover is a good first credit card. Ive had such a positive experience! 