One denied credit card application won’t affect your credit score much, but if you apply for a number of credit cards or loans in a short period of time them, your credit score will drop.  If you have a large number of inquiries on your credit history, yes your future applications will be affected.  When potential creditors notice a large number of inquiries on your credit report it makes them think that you are desperate for credit.  Your best bet is to apply for a secured credit card.  You’re guaranteed approval, and you’ll be required to make a security deposit – minimum $200.  You can use a secured card to build up your credit history.  If you have any debts that caused your initial application to be denied, use this time to pay them off, which will also help your credit.  After you’ve had the secured credit card for sometime, check your credit score.  Once it’s above 660 or 680 try applying for an unsecured credit card again.