<prompt> Human: I applied for a Discover It card yesterday bc my friend recommended it to me and Ive read lots of good things about this card online. However I realized that I would prefer a card with a flat rate cash back program rather than rotating categories. I dont drive, have memberships at wholesale clubs, buy groceries, or shop at Amazon often so I dont think I will be able to take advantage of all the rotating categories. I want a Chase Freedom Unlimited instead bc of its 1.5 cash back on everything and 150 sign up bonus. I currently have a debit card under Chase and checked my credit score on the Chase app, which is 776. It says that I have 0 inquiries despite getting approved for a Discover card yesterday.Would it hurt to apply for the CFU? If I get denied, I could just stick to Discover. What should I do? :  <response>: You could just take the discover card and use it on a minimal basis to build your credit history up -- then take a look the Chase Card at a later date especially if you have zero credit history. My first CC was a pre-paid BOA card. 