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It has nothing to do with your cedit rating. The only way to get turned down, as far as I know, is if Visa thinks your site is obscene.
As for it taking time... You could be a little more patient. Onthe CCBill thing, but also on making money with your sites. Without Visas, your signups will be down a ton. Plus, it takes a while ot get sales up, especially if your only way of getting traffic is newsgroups.
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