1.   But several major card issuers are offering zero percent teaser rates, and some are maintaining those rates for up to a year.

2.   Credit and student advocacy groups say such stories have become all too common in recent years as credit card issuers have offered credit to college students.

3.   Most issuers offer toll-free numbers for you to call.

4.   Some card issuers are offering such high rates on the amount on deposit that they have lured savers instead of borrowers.

5.   To attract students, card issuers offer free concerts, plane tickets, T-shirts, even candy.

6.   Dvorkin and other advisers warn consumers against the temptation of low introductory interest rates that credit card issuers have offered for some time.