What will prevent you from getting credit?

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

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