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Did you recently apply for a credit card only to be turned down because of your credit rating?

There are many reasons your credit rating can drop, and not all of them are under your control.

Maybe you recently were out of a job for a few months or even longer, or perhaps you went through a foreclosure or a divorce that cost you your financial stability.

Now that you are getting back on your feet, though, and you have a reliable income, you may very well find yourself in want of a credit card.

In fact, getting a credit card and paying off on your credit card bill regularly and reliably is one of the best things you can do to fix your credit. How do you get a credit card to repair your credit when your credit is too low to qualify you in the first place?

Here are 5 tips to help you get a credit card in Australia, even if your credit rating has dropped.

If your credit rating is bad because of a one-time misfortune, as opposed to a habit of paying late (or not paying at all), you are a far more viable investment than a customer who simply does not care about paying his bills.

See if you can provide an explanation on your credit report.

You may be able to add a short statement which will be available to any creditor who pulls your records up.

If you are applying for a credit card in person, see if you can add an explanation on your credit card application, or even try to explain to someone in-person what has happened and what you are doing now to make improvements in your score.

If you have a few hundred or even a few thousand dollars you can set aside for now, you may be able to qualify for a secured credit card.

This is the easiest way to get a credit card in Australia when you have a bad credit score and deposits are around $500 for each card. In short, you hand several hundred or thousand dollars over to the bank, and they hold it in trust for you until your credit rating goes back up.