As a result of my penchant for beer and CD's, I've discovered my credit rating is the worst it could be, and has been this way for about six years. My question is this - How long of 'being sensible' does it take for my rating to go back to being 'good', or at least 'good enough to get another credit card', as I got turned down this week? Bank people, sensible people, reformed gamblers - help me please :(