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Most often than not, credit cards are given to consumers by the banks with various offers and amazing interest rates, however one must read the fine print as well to see there is not catch to the offer, for example, although some cards have a zero percent interest rate on balance transfers, at times this last for only the first six months, after which the interest rate can go as high as 24%. Another example is when credit cards are given to consumers, as a promotional offer it reads 'Free credit card' however will have consumers paying an annual fee for it or in some cases may have a renewal fee for the card each year.

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