<prompt> Human: Im 18 and looking for my first credit card, my credit score is 555 and I have one student loan. Im looking to build credit and understand I should only being using 33 of the limit and would only being using it in small purchases like going out to dinner every once and a while and stuff like that. I applied for capital ones student card a few months ago and was rejected.  <response>: Stay away from Credit One. Discover It Secured is a fine card to get. Wells Fargo offers a secured card too along with most major banks that would also be fine. Run, dont walk, away from Credit One. 