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. Returned Payment Fee: Up to $35.