 TITLE: 10 Potential Reasons Why Your Credit Card Application Was Denied CONTENT: 8\\. You Have a Recent Bankruptcy\n--------------------------------\nAs previously mentioned, payment history is the most influential component of your FICO® Score, and filing bankruptcy indicates that you didn't pay your debts as originally agreed.\nIf your bankruptcy is still open, it can be incredibly difficult to get approved for a new credit card because you could technically include it in the bankruptcy. Even if your bankruptcy has been discharged, it may still take a while and some positive credit history before you'll qualify for certain cards.\nFortunately, there are some credit cards that are still available if you have a bankruptcy on your credit report, such as a secured credit card. Keep in mind, though, that you may need to provide a security deposit or pay high fees and interest. END