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Can’t get Pre-approval for Discover It cards due to “invalid FICO score”, what do I do?
A 20-year-old with no credit history received a pre-approval rejection from Discover due to 'missing or invalid FICO score', highlighting systemic friction for credit-invisible consumers seeking entry-level credit-building tools.
Aug 17, 2026
Citi secured card graduated
A Reddit user reports their Citi secured credit card graduated to an unsecured Citi Preferred Diamond Card after five years, raising questions about product pathway flexibility.
Aug 14, 2026
Approved for Fidelity Rewards Signature Card with zero credit history.
A Reddit user reports being approved for the Fidelity Rewards Signature Card despite having zero credit history, attributing the approval to their relationship with Fidelity and noting the card is issued by Elan Financial Services.
Jul 24, 2026
Capital One Quicksilver Secured won't graduate after 2 years.
A Reddit user reports that their Capital One Quicksilver Secured credit card was not automatically graduated to unsecured status after two years of on-time payments, despite holding other approved unsecured Capital One cards.
Jul 16, 2026