Today my daughter just received her first credit card "Discover". They sent her credit score FICO 732. Why is it so low ? She is a college student that has never had a ccard before. Also I want her to have perfect credit so in order to do this does it matter if she pays the balance in full compared to paying it off daily? Today I also received a letter from Southwest regarding an application letter saying that they want me to call to discuss my needs. I have the Southwest RR card and they sent me a letter that I sent back inviting me to obtain a premiere card.The last time I applied for a Chase ccard they gave it to be but deducted some credit from another account. Any advise before I call? The SW RR card I only spent the two thousand and stopped using it a couple months ago. THANK YOU in advance.