<prompt> Human: Im trying to build up my credit. Im 20 yo college student with an income and savings. I tried to get a Target card I shop there a lot but was denied. Should I apply for a card from my bank or try DiscoverChaseetc.? Thank you for the help.  <response>: Ive read that Chase may want some credit history basically another credit card in your record before approving you for a card. The Discover Student card is usually a good starter card, and Discover benefitscustomer service are very good. The only downside is that fewer places accept Discover versus VisaMastercard. The Capital One Journey Student is also a good student card which is part of the Visa card network meaning its accepted at more stores and more places in general internationally. In my research I avoided getting a card from my bank because I found the benefits for a DiscoverCapital One are better. If youre unable to get those Id look at a secured credit card, like from one US Bank or Capital One 