I think discover card and all other credit card companys are not fair. The reason why is because if you have no credit or very little credit than you will not get approved for one of their cards. Take me for an example.. I have no credit. I have a pretty good job that pays pretty good. I have hardly any bills but they will not approve me for a credit card. I am trying to build credit but how can I if no one will approve me. Discover card sent me an email saying sorry but they can not approve me at this time. For me try again at a later time. Meaning once I build up some credit. I will not reapply with Discover because they would not approve me when I needed them. Discover card needs to start some kind of program or something for people who are trying to build credit or for people who have made a mistake and are trying to start over again. I understand that the economy is bad right now but how can they make money if they are not approving first timers.