If you need a credit card to aid in fixing your credit but you cannot obtain one due to the state of your credit, applying for a secured credit card is an option. When you open a secured credit card account, you place money on deposit to cover any charges you may make. This ensures in advance that you will have enough money to pay for your debt. If you use a credit card well, your credit rating will begin rising.
If you have credit cards where the balance is more than half of your credit limit, pay these down right away. Your credit score can diminish with balances over 50%, so spread out the debt or pay off the credit cards.