[GT40FIED]

Applying for too much credit will totally fuck your credit score, especially if you're denied. Companies look at requests for credit and if they see a bunch of other places have denied you, they'll follow suit. I've never figured out how that works...you have to apply to get credit, but applying hurts your score. Have you checked your credit score lately? I know there's a free way to do it through the government...can't remember how though. I did what Az did when I was younger. Took out a $300 loan at a local credit union, didn't spend the money, and paid it off so that I was done about a month or two early. If you're enrolled in college many colleges have their own credit unions that will help students out and not-so-ridiculous rates.