Answer: -Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.But bad credit is not the only reason you can be denied a major credit card. Some people simply have never used credit. People who like to pay cash only, have never financed a car, taken out a college loan, or a mortgage may have zero experience with credit. In that case, most card companies will reject your application, not because you have bad credit -- but because you have no credit rating.you can apply for best student card with bad credit from http://www.card-gallery.com/article/sear... -Whoa, you have bad credit at your age? (I'm assuming you are under 25) First off, you want your cake and eat it too. First you have to clean up your credit with a secured (easiest to get) card. Then later, you can go for rewards. As for cards with rewards, check out Chase cards...