You can increase your credit limit at any time you increase your collateral deposit (Credit limit between $300 and $5,000 (in $50 increments). U.S. citizenship is not required, but you must have a valid SSN or ITIN. Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars.