You may be wondering what is so bad about your credit that you were declined for a credit card.  After all, you pay your bills whenever you have the money.  Well, that can be part of the problem.  Most lenders expect to get paid when the invoice or statement says the payment is due.  Failure to do so may negatively impact your credit.  If this was you in the past, do not fret.  Now you know what you have been doing wrong.  You can always get an Auto Bad Credit Loan and start rebuilding your good credit.  As long as you pay on time, you will be improving your score every month.