Answer: -They can turn you down because of bad credit. Companies are more and more lookingat this because they want to see how you handle your money outside of work and this can give them insight to what kind of worker/person you are. Some companies will over look it but if it bothers you that much follow up and find out what their policy is on checking credit reports. -It should not affect it. If you get denied the job and want me to look up the labor laws for you just email me.I am sure credit score would count against you if you wanted to work the cage at a casino, or be a vault manager at a bank, but if it does not apply to your job I don't see how they can hold it against you. -It really all depends on the position you're being hired for. If it's a job in the financial market, or banking field, yes you could be disqualified once they've checked your credit because they'll look at it as you are having financial difficulties and could be more inclined to steal or embezzle. However, one credit card won't really make a difference, what they look for is if you have a bunch of outstanding accounts that you've defaulted on or have been turned over to collections. I'd say a bankruptcy would have a better chance of you being turned down especially if you're going to be handling any sort of money for the company. Not that having a bankruptcy automatically makes you a thief, it doesn't I have one and would never dream of stealing from an employer but they don't want to take that chance. I worked for a company that asked that question and anyone who answered yes was not called in for an interview.Have you checked your credit lately? Do you really know how bad it really is or are you just assuming that because you keep running up the balance that your credit is ruined? If you pay timely on the card regardless of your balance you should have great credit. Have you defaulted on the card, been charged off or turned over to collections? THAT will ruin your credit. Paying on the card won't.One card won't make or break you.