The clear winner here is Citibank, which, just as its business was getting really tough last summer, sent a cheery message to all staff suggesting they download the Citi theme tune to their mobiles.

去年夏天，正当业务变得极为艰难之时，花旗银行给全体员工发送了一条欢快的短信，建议他们把花旗的主题铃声下载到自己手机上。短信是这样写的：“这一声音品牌特别为花旗创作，显示（Ladder Off）出了我们‘驾驭成功'的决心”。

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If you want to find information on the Citi Platinum Select MasterCard, for example, you first have to choose Citibank from a drop-down menu, and you then see the icons of eleven different Citi cards.

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The Citi Hilton HHonors Reserve Card from Citibank includes automatic Gold status, bumping you into preferred rooms and granting you Executive Lounge access at many Hilton properties.

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The no annual fee Citi Hilton HHonors Visa Signature Card from Citibank offers a sign-up bonus large enough for a few free nights in most cities.

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