EXHIBIT 31.1



                                  Certification

I, Douglas C. Morrison, certify that:

1.   I have reviewed this annual report on Form 10-K, and all reports on Form
     8-K containing distribution or servicing reports filed in respect of
     periods included in the year covered by this annual report, of Citibank
     Credit Card Issuance Trust (issuer of the Citiseries Class A notes, Class B
     notes and Class C notes) and Citibank Credit Card Master Trust I (issuer of
     the Collateral Certificate);

2.   Based on my knowledge, the information in these reports, taken as a whole,
     does not contain any untrue statement of a material fact or omit to state a
     material fact necessary to make the statements made, in light of the
     circumstances under which such statements were made, not misleading as of
     the last day of the period covered by this annual report;

3.   Based on my knowledge, (a) the distribution or servicing information
     required to be provided to the trustee by the servicer under the pooling
     and servicing, or similar, agreement, with respect to Citibank Credit Card
     Master Trust I for inclusion in these reports is included in these reports
     and (b) the distribution or servicing information required to be provided
     to the trustee by the issuer under the indenture with respect to Citibank
     Credit Card Issuance Trust for inclusion in these reports is included in
     these reports;

4.   I am responsible for reviewing the activities performed by the servicer
     under the pooling and servicing, or similar, agreement and by the issuer
     under the indenture and based upon my knowledge and the annual compliance
     review required under each of those agreements, and except as disclosed in
     the reports, each of the servicer and the issuer has fulfilled its
     obligations under the respective agreement; and

5.   The reports disclose all significant deficiencies relating to the
     servicer's compliance with the minimum servicing standards based upon the
     report provided by an independent public accountant, after conducting a
     review in compliance with the Uniform Single Attestation Program for
     Mortgage Bankers or similar procedure, as set forth in the pooling and
     servicing, or similar, agreement, that is included in these reports.


Date:  March 29, 2004


/s/ Douglas C. Morrison
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Douglas C. Morrison
Vice President and Chief Financial Officer
Citibank (South Dakota), National Association