EXHIBIT 31.1

                                  Certification
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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 Master Trust I;

     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, the distribution or servicing information
          required to be provided to the trustee by the servicer under the
          pooling and servicing, or similar, agreement, 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
          based upon my knowledge and the annual compliance review required
          under that agreement, and except as disclosed in the reports, the
          servicer has fulfilled its obligations under that 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 31, 2005

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