Establish or re-build credit history with a Secured Credit Card. This card requires a minimum $300-$5,000 security deposit (depending on the desired credit limit) which is held as collateral for your account. The credit limit is set up equal to that deposit. Opportunity to move to a Platinum card in as little as 15 months when you maintain a good payment history with us (subject to credit approval). 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. Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars. Returned Payment Fee: Up to $35.