[9급 지방직 영어 2010년 18번]

Zero percent interest for the next six months, or even a year, on all balance transfers. No annual fees. Reward points for everyday purchases. Choose airline tickets, hotel stays, car rentals, a variety of great brand-name products or just get cash back. What red-blooded American credit-card holder could resist such a deal? Well, if you're smart, maybe you. Tantalizing offers like these from your credit-card issuers are increasingly filled with traps that can pile on unexpected fees or trigger punitive interest, as high as 35 %. These details are spelled out in the fine print of promotions and cardholder agreements. But, says Curtis Arnold of CardRatings.com, “You have to be incredibly diligent to avoid the pitfall.”