teaser rate和debt-consolidation是什么意思?

题目

teaser rate和debt-consolidation是什么意思?
原句为：But even though many leanders are still offering whatever they can to entice borrowers —— from cut-rate annual fees to teaser rates to debt-consolidation come-ons —— consumers seem to have had enough.come-ons在这里应作lures讲

答案

但是,即使很多贷款者一直全力的诱惑借款者借款——通过年费打折,对债务状况的不同给与不同金额的回赠品（意思为债务约多回赠率也越高）等手段——消费也提升不了了
这里debt-consolidation是债务状况的意思
teaser有免费提供物品的广告手段的意思,teaser rate应该是回赠率