Motorcycle, Jetski, boat, and watercraft sellers will often advertise a "teaser" payment and term, such as "$99 per month for 24 months." These types of advertisements are often deceptive because they seem to offer a fixed term and a set payment. In fact, the financing takes the form of a high-interest credit card with a "promotional" period. Consumers are rudely surprised when they find their payment has doubled, or even tripled, after the promotional period ends.