By Lynne Adkins

PHILADELPHIA (CBS) – This time of year, it pays to shop around, especially if you’re looking for a credit card.

Just in time for holiday shopping, credit card companies are offering promotions to lure you into using their card for holiday gifts. Stephanie Bittner, community outreach manager for the Consumer Credit Counseling Service of Delaware Valley, says do your research to find the right terms for you.

One offers 0% interest for 18 months. “They also offer a $200 statement credit bonus if you make $500 of purchase on line within the first three months of opening the cards and there’s no annual fee other cards for existing customers have additional reward points.

Bittner suggests researching the offers before you switch and if you do, think twice before switching the balance from your current card to a new one.

“They really need to read the fine print, especially when it talks about transfer fees. A lot of the companies offer a 3% transfer fee, where sometimes by paying that extra charge it may not be worth the transfer.”

She says you can shop for credit card offers at, but make sure you read the fine print for each offer.

Reported by Lynne Adkins, KYW Newsradio 1060

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