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The Newbie:

I am new to credit cards. I am trying to build and establish a credit history.

Tip: Apply for a credit card that does not require you to have a credit history, or choose from one of our cards for students. Remember that applying for a credit card affects your credit rating. Do not apply for cards you are not likely to qualify for.

Citi Forward^SM Card for College Students

The credit card that rewards you for good behavior
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
6,000 bonus points after $250 in purchases are made within 3 months of account opening
5,000 bonus points when you sign up for paperless statements within 3 months of account opening
5 rewards points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases
0% APR for 6 months on purchases and balance transfers

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	0% APR* for 6 months on purchases & balance transfers	17.24%* (V)	None*	Yes*	Good Credit*

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Student Credit Cards	Prepaid & Debit Cards	Limited or No Credit History

		Saturday, November 21st 2009