"Citi Professional Card is considered a business purpose credit card and not a consumer credit card. Please note that certain consumer rights do not apply to this account."I called the the application phone number on the Citibank web page to ask about this, and they refered me to another number for business applications (888.382.7759). The person who I spoke with there said that language did not appear in her terms and the card could be used for personal use. But I am still a little concerned.