Rising interest rates have made all kinds of loans more expensive. They’ve also made lenders pickier about who actually gets money. A recent Bankrate survey shows half of people who’ve applied for a financial product have been denied since the Fed started raising rates in march of 2022. So today, we’re talking with Bankrate’s Sarah Foster about this trend. We discuss who’s mostly likely to be denied for loans and new credit cards and the ways you can improve your credit score to make you more credit-worthy.