Can’t get Pre-approval for Discover It cards due to “invalid FICO score”, what do I do? | SpinGraph: None
SpinGraph analysis of Reddit r/CreditCards's Can’t get Pre-approval for Discover It cards due to “invalid FICO score”, what do I do? story: none, none, Spin Sc…
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Can’t get Pre-approval for Discover It cards due to “invalid FICO score”, what do I do?
credit invisibility, FICO dependency, pre-approval gatekeeping
Pre-approval systems require existing FICO scores, excluding true credit beginners. Discover It Secured Card — marketed as beginner-friendly — is inaccessible via automated pre-screen for those with blank files. Credit invisibility creates a catch-22: no score prevents pre-approval, yet pre-approval is often the only visible on-ramp to secured cards.
Emphasizes lived friction; minimizes none — no spin tactics deployed.
A 20-year-old couldn’t get pre-approval for a Discover It Secured Card because they had no FICO score.
The absence of framing — no attribution, no blame, no advocacy — functions as passive normalization: it presents FICO dependency as inevitable infrastructure rather than a contested, changeable design decision. The tension lies between Discover's marketing ('for beginners') and the operational reality (requires prior score), but the post doesn't name or challenge that gap — leaving readers to absorb the contradiction without scrutiny.
I did the pre-approval on the discover website and couldn‘t get any offers [...] on account of a 'missing or invalid' FICO score.
I did the pre-approval on the discover website and couldn‘t get any offers (including with the Student and secured card) on account of a 'missing or invalid' FICO score.
Extracted statistics from the source narrative
No tradeline history → no FICO score generated