Help build or rebuild your credit with this card. Request your own credit limit by providing a deposit between $300 and $5,000, in $50 increments when you apply. Opportunity to move to a Platinum card in as little as 15 months when you maintain a good credit history with card issuer. Automatic reporting to the 3 major credit bureaus to help establish credit. U.S. citizenship is not required, but you must have a valid SSN or ITIN and a valid U.S. address. APR Note: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. Rates reflected are in effect as of 1/20/2016, based on an effective Prime Rate of 3.25%. Returned Payment Fee: Up to $35.