Online credit card deals come with lots of fine print. Lower interest or zero interest credit cards, either for a low introductory APR period or for no interest on balance transfers, are posted all over the Internet. But before one jumps at a seemingly great credit card offer, he or she should always ask two questions: "What's the catch?"; and "Which card best suits my needs?"

There are a number of pitfalls involved with opening a new credit card account. No interest balance transfer cards can curtail high interest payments, but for how long? When the zero interest period concludes, what will the new interest rate be? Will it be higher than the old card's APR? Is there a balance transfer fee? Is the transfer fee higher than what one would pay for interest on his or her existing credit card? Is the new card's interest rate on purchases, cash advances, etc. greater than one's existing credit card accounts? Will the new card over-extend the applicant's credit or lower his or her credit rating? Does the new card come with an annual fee or other fees?

These are only some of the "catches" consumers should be aware of before they open a new credit card account. But just as a new credit card may come with new problems, it may also save the applicant a lot of money. Knowing how one plans to use the new card and sticking to that plan will reduce debt. The bottom line - get new cards that suit one's individual needs and fulfill one's debt reduction goals.