PHOENIX–(BUSINESS WIRE)–Credit card offers are often packed with appealing benefits, but many of the terms can be confusing or unclear, leading to unexpected expenses and longer debt cycles. “Introductory offers are tempting, but it’s the ongoing terms and conditions that ultimately impact your finances,” said Amy Robbins, associate director of operations for Take Charge America, a national nonprofit credit counseling and debt management agency. “With a clear understanding of the fine print,