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Is credit card "fine print" too complicated for consumers? A 2016 study from argues that's the case.

"An analysis of more than 2,000 current card agreements shows they're written, on average, at the 11th-grade reading level - better than five years ago, but still too hard for at least half the population to readily understand," the report says.

Why are credit card contracts so mind-numbingly laborious? It's intentional, as card issuers really don't want you to know how their rate, fee and cost structures are tilted in their favor. Change that equation by getting wise on credit card contract fine print - especially these ten "gotcha" items.

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