Trying to save money can end up costing more if you are not careful. This is especially true concerning promotional low interest rates on credit cards. The lure of the rate can be deceiving because those introductory rates can double or triple before you realize it. ALWAYS check the long-term rate on your credit card. Also, beware of credit card offers if you have bad credit. The only one who profits from this is the credit card institution and you could be worse off in the long run.