Enticing Credit Card Offer? Better Read the Fine PrintWhen it comes to credit card offers, you need to know a few things before accepting.

With consumer and small-business credit in short supply, it's tempting to take advantage of the credit card offers that sport promos like zero percent interest rates, instant approvals and balance transfers.

Some cards do offer great deals, but others can saddle you with high interest rates and hefty annual fees long after the initial teaser rate expires. That's why it's important to understand and evaluate each offer before signing and returning that pre-approved application form.