With almost every credit card out there, not making your payment on time or exceeding your credit limit, you can be sure of an interest rate increase, fees or combination of both. But, what does your credit card do for you when you make your payments on time or do not exceed your credit limit? Enter the Forward credit cards from Citi - the only card that rewards cardholders for responsible use and good behavior. Separate credit cards are available for personal use and college students.

For consumers, the Citi Forward(SM) Card rewards you when you make three payments on time and stay below your credit limit. Your reward comes in the form of an APR reduction up to 2% on purchases. However, a reduced APR won’t be your only reward for your good behavior. How about earning ThankYou points on every purchase you make? Earn 6,000 points after $50 in purchases, 5,000 points when you sign up for paperless statements and five points for every $1 on dining, books, movies and music.

The Citi Forward(SM) Card for College Students offers the same rewards for college students too. Students using the card responsibly will save money and work towards establishing a good credit history. Cardholders can use their ThankYou points for almost any type of reward.

Both cards offer new applicants a 0% APR for six months on purchases and balances transfers. Please see the issuer’s website to read the full terms and conditions or to apply online.

Citibank is one of the world’s leaders in financial services and with good reason. In fact, Citi currently services over 100 different countries and more than 200 million customers.Citibank customers receive the convenience they deserve and the unprecedented customer service that they appreciate.

Citi offers a variety of products and services that help its customers get ahead financially. These products and services include: small business accounts, IRAs, Rollover accounts, checking, savings, money market accounts, online banking, bill pay, certificates of deposits and so much more. All of these products and services are geared to help each customer make wise financial decisions.

Among the banking services offered by Citi are the countless credit lines that Citi offers. These loan accounts range from credit cards to mortgages, home equity lines of credit, etc. Citi offers a wide range of credit cards that appeal to millions of consumers around the globe. Citi has reward credit cards, value credit cards, credit cards that come with ThankYou points, college credit cards, business credit cards, personal credit cards and more. Additionally, you can get overdraft protection, personal loans, student loans, and other types of loans through Citi.

Citibank has all of the necessary products and services available to handle your finances. Citi’s slogan is, “Citi never sleeps.” You can rest assured that your banking, credit cards and loan lines are safe and secure with Citibank.

It is time to switch to Citibank, no matter where you live. As a Citibank customer, you’ll receive Citi Mobile alerts, inter-institution transfers, a worldwide ATM network, customer service 24 hours a day, 7 days a week, online fraud protection, Citi ID Theft protection, and so much more.

Don’t pay extra for services like these. You deserve a financial institution that is willing and able to work for you. Welcome to Citibank.