You know how to spot a good deal when it comes to credit cards. Low interest and low annual fees certainly don’t hurt. But there are also some things that should set off alarm bells, warning you that a credit card offer might be too good to be true no matter what the advertised numbers tell you.

While none of these things alone guarantees you’re getting a bad credit card offer, consider them warning signs. You not only want a card that offers good rates, but one with a credit card issuer you can trust. Here are some things to look out for.

1. Very few terms are openly advertised (especially common ones).

For example, most credit card offers will mention how many interest free days you’re eligible for. If a credit card company leaves that info out completely, don’t assume you still get interest free days. You very likely will get none. If an offer looks sparse when it comes to details, either move on to the next one where the issuer isn’t afraid to tell you what you’ll get or at least dig deeper before you apply.

2. The company makes it hard to find full terms and conditions.

Credit card companies don’t include all of the information you need to know in an advertised offer. There simply isn’t enough space. But you’ll frequently find more in-depth terms below those details. And if you look on the issuing bank’s site you can usually find the full terms and conditions. If none of this information is clearly available (on the bank’s site — comparison engines frequently only list the below-offer terms), then either call the bank to get a copy or find a credit card with less to hide.

3. You can’t find a phone number to call the issuing bank.

This is another piece of information you probably won’t find on third party sites, but when you visit the card’s own site to apply you should find a phone number in addition to the online application. It’s a little bit suspect if the issuer makes it difficult for you to contact them with urgent questions. Most will make it available either on the offer page (so you can apply over the phone), on the application, or on a contact page on their site. If absolutely no number is available, that may be a sign of customer service issues to come. And your relationship with the bank is as important as the terms and conditions.

4. Introductory offers are used to mask extremely high regular fees and rates.

If you see incredibly low fees or rates that look too good to be true, make sure they really aren’t. For example, a 0% purchase rate sounds great when a company wants to rope you in as a customer. But it’s not a good deal for you if that reverts to 20% in a few months. Look for reasonable transitions, like balance transfer rates that revert to low purchase rates (instead of cash advance rates) like with the ANZ Low Rate MasterCard.

Remember, none of these things alone says that a credit card offer is a bad deal. They’re just signs that you should dig into the offer details more before you commit to terms and conditions that might not be right for you. Compare credit cards carefully, and choose wisely. Think of each application as the beginning of a long-term business relationship.