<prompt> Human: Im 26 with a good job. I make decent money but I certainly have some student loans Im still paying off. Ive never had a credit card my whole life, and I did not perform a credit score check before doing this. But I doubt its high. I went online earlier and filled out an application for a credit card with Discover. Only took a couple minutes. Pretty basic information. I was immediately approved and theyre sending it to me in the next couple days.Am I underselling myself as a consumer? Will credit card companies just give them to anybody? Did I maybe mess something up? Thanks.  <response>: Approval is by computer algorithms, and computers operate on the order of milliseconds. 