The Economics of the Citibank Classic Visa card. How Student Discounts and Price Protection contribute to upward growth, a variety of factor i»t tx-m 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 card members. You can sine up to 26% on king distance calls versus AT&T with the free Citibank Calling Service" from MCI.1 And you can capitalize on a $20 Airfare Discount HOM^I N»» kno*n pu-furr oi tidaunghei muling etim mncmiM) hettew navunghm *«» unh»jpf'\ brcmar he kit he could haw rnrtved a hettrr Jml on tuppliex // he uied a (it thank (Ittsm l <*u< uni to* *vuid haw hem awuml of truing the h*<u peter and pn+abh **>uld haw hern happier Artist rendering of ho* he *nuid haw appeared < <n the dollar for domestic flights.' Savings on mail order pur chases, sports equipment, magazines and music also abound. Maximize these savings with a low variable interest rate of 154%’ and no annual lee, and you can significantly improve your personal bottom line (especially if one’s net income tends to be pretty gmss). Put another way, one might even have enough savings to reinvest in a CD or two (the musical kind, or course), "i On the way to the record store, or any store for that matter, take stock of the 3 services concerned w ith purchases made on the 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 $150.4 To protect these investments. Buyers Security- can cover them agaiast accidental damage, fire or theft (ordinarily causes for Great Depressions) for 90 days from the date of purchase.4 And Citibank Lifetime Warranty- can extend the expected service life of eligible products up to 12 years.' 11 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' Service can replace your card usually within 24 hours. 1! 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)* 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.) H Needless to say, building a credit history with the support of such serv ices 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 sease of security, rare in today’s—how shall we say?—fickle market. H 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. Flere’s the num ber: 1-800-CITIBANK, extension 19.1 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 stu dents will demand said credit card.'' So, demand away—call. CfTlBAMO -rnrrrnr Xf+M. wiUtM Hi.28 0012 3«*5b USA m/1) »)/)ii4)» "TSH1 UWA MALIK! W» Not just Visa. Citibank Visa. Sa*«ng> claim a bated un a K> « ahtnen » If a hnarwe chan* a rmpoaed UK mu honenrr. u •«« m* be In* Hun Si DO or greater than StOOO X a tarn /untfi IniemauunaJ UK t inuKd ( main immim and limaatium Paramount ( ommunnaioni ( umpany data Detail* ci cmermr Vmdb> mu -««carnd call w UK I/HI to UXX) mdrapr band uatng MClt ( aid < ompatdabty ram n AlAI t tundaid calling card ram. ffcw VM < tfihank < atom ctord to obtain heacht* under any other MO partner program ur u#rr including (nmrt maid program* Qflrv c»f«ie* hr Minimum ucfcct fairehaae prxe • 1KJQ meter* on tickets issued by ISI Hqhu unh Tar Annual fVrvrnugr Kar I* purchase* a l\4Sk a* l/V» and mm *ary quarterly The Annual KmenUgr Rate fee cadi a 30 cento There « an addanmal hnar*e rharar t» each .ash advance transaction equal to i/lhe amwint «* each «.ath advant e irrmaue r tain cundtoora and csriUnon* apply PVa*e reatr to your Summary al Additional Program Irduriruiion hiyen Security a under written by The Cum apply l 'ndrr»nnm by the Se» Hampshire Insurance ( ompam Smut blr rspectancy *ane* by p*»*R*r *" I yourSummary erf Add*«unal Program Information Monarch* Scare are puMnhrd be Monarch hm a die the puMaher ( **mnk credit cant* arr naued by (uthami (South Dakota. N A ,CI«) ( itihanfc (South Pi security n ad ana nd leaat the won erf Simon A Vhuaacr a Dakota) NA Mrmhrr FDK Monarch Notes® Version: The Citibank Classic Visa card will be there far you with special stu dent discounts, no fee, and a low rate , so your own economy will be more like a boom than a bast. Call 1-800-CmBANK, ext. 19.