If you're like most people, you probably get a lot of credit card offers in the mail. Many of these offers provide some attractive low interest rates, balance transfers, or reward programs. While it can be tempting to take advantage of some of these offers, you do have to be careful. These offers are usually short-lived and can be even more costly than you think.

Whether it is a teaser rate or hidden fees on balance transfers, you want to read all of the fine print before taking advantage of any credit card. Some promotions are legitimately worthwhile, but there is usually more to it than the big 0% they are promoting on the form. Learn how to spot these hidden fees and how to avoid them.