If your application was denied or you received a higher interest rate on your card, you are entitled under new federal law to see your credit score for free. This regulation will also apply to any future loans or credit you apply for. Take this opportunity to check your credit score and review the factors provided that affected your credit. Work on improving your credit (like paying off car or students loans) and apply for another credit card in three to six months. Also, consider a secured credit card, which offers guaranteed approval to all applicants.