There are times in everyones lfe when there are day you need to go out a shop for gifts. The Christmas season is one such time when we need to shop for long hours if get the right things for the ones e love. As we shop we wonder if we can afford all of this stuff. Thats is where Citi comes through. They offer some of the highest spending limits of any card that ar on the market. They let us spend up to our limit with only the small payment due each and every month. As we pay our debts they sometime offer bonuses like reward point to let us see that we can do better. I Like the flexability of the repyment plans. When we need a little more credit limit they let su apply online. If we buy the right gift after our closing date we have longer to pay off the bill. When it comes to coustomer service Citi is really helpful... When you call the operators help us understand all if the options to get the most out of the credit experience. Thanks citi.