There comes a time in everyone’s life when you need to apply for credit. This can be in the form of a loan, credit card, overdraft, store card, or the biggie, a mortgage. Your credit score and credit history determine whether or not your application is accepted and if your credit is bad, you may find yourself in a bit of a pickle. So, what happens if you need a credit card, but your application has been rejected? It stings a bit, right?