premise: Discover Financial Services, Inc. is an American financial services company, which issues the Discover Card and operates the Discover and Pulse networks, and owns Diners Club International. Discover Card is the third largest credit card brand in the United States, when measured by cards in force, with nearly 50 million cardholders.
hypothesis: Discover Card is a way to build credit for less than 50 million cardholders
reason: This is true. Nearly 50 million implies just less than 50 million, and having a credit card builds credit