i have citi too. 1000 limit, 14 percent apr ... i use it to just build up my credit score; buy everything with it then pay it off as soon as i get the statement. it earns me cash dividens too -- 5 percent for any gas/grocery purchase, 1 percent for rest -- and since i pay right away, its actually making me money. i just got a 60 dollar check a few days ago.
oh yeah, i also got a 100k credit card offer with 7.9 percent apr the other day ... i almost went and bought a brand new m5 or something.