How Tough is it to Get a Credit Card

You’ll have no doubt by now heard all about how globally we’re in a bit of a fix with regards to money. At the moment (and for quite a while the Bank of England says) trying to get any form of lending is either impossible or extremely tough. Whilst banks are not openly saying don’t come though our doors and expect any loans the number of credit approvals recently dropped to an all time low, so is it impossible to get credit these days?