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 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 31, 2005


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