When being denied is a good thing - Credit

It was actually a relief today to see “declined” on a recent credit card application. I don't really need one but I have to say the thought was appealing. After the initial depression and general self loathing, “why me-ing” and cursing the skies for the 4 hours of my life (2 hours to fill out the application online and 2 hours to get it signed at the bank) I realized that denial was actually a good thing. It literally meant that I am terrible at managing debt; in other words I'm not IN debt to begin with.

A great way to get approved for a new credit card is to have an existing credit card, loans to be repaid or a mortgage. (I will not even get into the hell that is higher purchase, the banks LOVE that one)You know, general owing of money, to be paid back in increments.

Simply put:
Existing debt.

So what happens to the people (myself included) who genuinely need a way to buy things in between paycheques, knowing they don't live above their means and are just seriously (saving as we all need to be doing right now) and can and will pay their balances in full at the end of the month to avoid the death trap that is interest? Or those who (god forbid) want to catch up to the rest of the modern world and say... by something online? Or just the people who are tired of waiting for cash in had at the end of the month when EVERYONE ELSE has cash too and you can't find a parking spot at the supermarket? They get denied, because they're bad at managing their debt.

Jamaica, don't let anyone fool you, having a credit card / good credit just means you are excellent at managing your debt. It means you're really good at owing a lot of people a lot of money then paying them more money than you owe at a later date. (Sort of like Jamaica, who has never defaulted on a loan, even in the midst of a recession, we will pay the IMF and the World Bank so help us GAS TAX!)

p.s

You probably shouldn't apply for a credit card if you have done or do more than 3 of the following:

Have no job (apparently this one is not as obvious as you might think)
Used one credit to pay off another credit card
Been denied for a credit card more than 3 times (they're obviously trying to tell you something, take a hint)
Have the “as rent pay money done” syndrome
Like to party (yes I'm serious)
Surf online sites lusting after items you cant afford more than three times per week
Currently owe your mother, your best friend and your second cousin (or any combination of 3 friends or family members) money

Disclaimer:

This is in no way financial advice, if you screw up your credit, its on you.