The 20 million U.S. households that do not have a credit card can now shop online at the Earth's Biggest Online Store. Amazon.com has teamed up with Citibank's credit card division to launch a virtual store credit card. The new program is designed for customers who do not have, or who may not qualify, for a bank credit card. Therefore the interest rate is a steep 22.90%. However, the Amazon Credit Account is initially offering new virtual cardholders three months of no payments and interest-free holiday shopping on orders over $200 placed through January 31, 2002. The 90-day free finance offer does not apply to purchases made from Amazon Marketplace, Auctions or zShops, or Circuit City. For more information visit http://www.amazon.com/credit.