The Economics of the Citibank
Classic Visa card. How no annual fee, student discounts
and Price Protection create upward growth, a variety of factors have been suggested
as contributing to the economic growth of students, including (1) more lottery winners between the
ages of 18 and 22, (2) a 37% increase on earnings from bottle and can returns, (3) more students
doubling earnings in the lightning round of game shows, and (4) the Citibank Classic Visa® card. It’s
this last one, however, that affects most students. H The Citibank Classic Visa card offers immediate
savings to student cardmembers. You can now receive the Citibank Classic card with No Annual Fee.
You can capitalize on a $20 Airfare Discount for domestic flights, 1 a low variable interest rate of
15.4%; as well as savings on mail order
purchases, sports equipment, music and
magazines. One might even have enough
savings to reinvest in a CD or two (the
musical kind, of course). H On the way to
the record store, or any store for that
matter, take stock of the 3 services
concerned with purchases made on the
No known picture of Washington smiling exists. Economists believe Washington was unhappy
because he felt he could have received a better deal on war supplies. If he used a Citibank
Classic Visa card, he would have been assured of getting the best price and probably would
have been happier. (Artist’s rendering of how he would have appeared on the dollar.)
Citibank Classic card. Citibank Price Protection assures one of the best prices. See the same item
advertised in print for less, within 60 days, and Citibank will refund the difference up to $150?
Buyers Security sm can cover these investments against accidental damage, fire or theft
(ordinarily causes for Great Depressions) for 90 days from the date of purchase? And Citibank
Lifetime Warranty sm can extend the warranty for the expected service life of eligible products
up to 12 years? H But perhaps the features which offer the best protection are your eyes, your
nose, your mouth, etc.—all featured on The Photocard, the credit card with your photo on it.
Carrying it can help prevent fraud or any hostile takeover of your card. (Insiders speculate that it
makes quite a good student ID, too.) Even if one’s card is stolen, or perhaps lost, The Lost
Wallet sm Service can replace your card usually within 24 hours. H So never panic. As we all
know, panic, such as in the Great Panics of 1837, 1857 and 1929 can cause a downswing in a
market. But with 24-hour Customer Service, there’s no reason for it. A question about your account
is only an 800 number away. (Panic of the sort experienced the night before Finals is something
else again.) 51 Needless to say, building a credit history with the support of such services can only
be a boost. You’re investing in futures—that future house, that future car, etc. And knowing the
Citibank Classic Visa card is there in your wallet should presently give you a sense of security,
rare in today’s—how shall we say?—fickle market. 51 To apply, call. Students don’t need a job or a
cosigner. And call if you’d simply like your photo added to your regular Citibank Classic Visa card.
Here’s the number: 1-800-CITIBANK, extension 19. (1-800-248-4226). 51 The Law of
Student Supply and Demand states, “If a credit card
satisfies more of a student’s unlimited wants and
needs, while reducing the Risk Factor in respect to
limited and often scarce resources—with the greatest
supply of services and savings possible—then students
CLASSIC
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will demand said credit card.” So, demand away—call.
Not just Visa. Citibank Visa.
'Offer expires 6/30/94. Minimum ticket purchase price is $100. Rebates are for Citibank student cardmembers on tickets issued by ISE Flights only. 2 The Annual Percentage Rate for purchases is 15.4% as of 12/93 and may
vary quarterly. The Annual Percentage Rate for cash advances is 19.8%. If a finance charge is imposed, the minimum is 50 cents. There is an additional finance charge for each cash advance transaction equal to 2% of the
amount of each cash advance transaction; however, it will not be less than $2.00 or greater than $10.00. 3 Certain conditions and exclusions apply. Please refer to your Summary of Additional Program Information. Buyers
Security is underwritten by The Zurich International UK Limited. 4 Certain restrictions and limitations apply. Underwritten by the New Hampshire Insurance Company. Service life expectancy varies by product and is at
least the minimum based on retail industry data. Details of coverage are available in your Summary of Additional Program Information. Monarch Notes® are published by Monarch Press, a division of Simon & Schuster,
a Paramount Communications Company. Used by permission of the publisher. Citibank credit cards are issued by Citibank (South Dakota). N.A., ©1994 Citibank (South Dakota), N.A. Member FDIC.
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Monarch Notes® Version:
The Citibank Classic Visa card will be
there for you with no annual fee, a low
rate and special student discounts...
so your own economy will be more
like a boom than a bust. Call 1-800-
CITIBANK, ext. 19 (1-800>248-4226).