Bogus credit card offers usually fall under the umbrella of: If it’s too good to be true, it probably is. Unsuspecting consumers are promised great credit card deals that turn out to be scams. There are a few ways to tell whether the offer you’re getting is really too good to be true: Faulty promotional offers Some credit card companies use alluring marketing materials that neglect to disclose fees for balance transfers or purchase transactions that are required in order for you to receive promotional reduced- or zero-interest rates, according to the Consumer Financial Protection Bureau.