 TITLE: 10 Potential Reasons Why Your Credit Card Application Was Denied CONTENT: 4\\. You Have a History of Late Payments\n---------------------------------------\nYour payment history is the most important factor in your FICO® Score, so if you've missed even one payment by 30 days or more, it could damage your credit score and make it hard to get approved for certain credit cards.\nUnfortunately, you can't get rid of late payments unless the information is inaccurate. But some secured credit cards and other cards for bad or fair credit could still be accessible as you work to rebuild your credit score. END