What will prevent you from getting credit?

Here are a few things that can make it difficult for you to have access to credit:

Opening a lot of credit accounts in a short space of time
Paying off debt with more credit
Maxing out all your credit limits
Having a short track record of good payment behaviour
Only using one type of credit like having a lot of multiple short-term loans, for example
You have a number of missed payments
You have too many accounts open, even when some are paid up
Having too many loan enquiries by different creditors in order to get a loan approved