Forward Thinking

Citibank has introduced a new card “Citi Forward” that:

• lowers the purchase interest rate by a quarter percent when cardholders use credit wisely
• rewards points for paying on time and staying under the credit line
• Spend Tracker: online resource that lets you know how your spending compares to others like you
• “ThankYou Points” for completing socially responsible acts, such as donating to a local food drive, going paperless, switching to energy efficient light bulbs and volunteering