When you deposit $300 - $10,000 into a Collateral Account, your credit line will directly reflect the amount of your deposit. Make payments on time and start establishing good credit. Unlike debit or pre-paid cards, this card’s payment information will be shared with major credit bureaus, helping you build your credit history. Balance Transfer Fee: Up to 5% for each balance transfer, with a minimum of $5. Cash Advance Fees: Either $10 or 5% of the amount of each advance, whichever is greater. Returned Check or Returned Payment Fee: Up to $35 each.