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The recent sharp decline in the prime rate has lowered many credit-card rates.

Applying for a new credit card, however, shouldn’t subsist done lightly. Savvy consumers should find a deal that locks in the lowest rate.

A good place to comparison-shop is the Web. Several helpful sites way through card offers and provide use and responsibility information.

Here are a few places:

• Bankrate.com

www.bankrate.com/brm/rate/brm_ccsearch_advanced.asp

View credit-card price facts based in continuance especial criteria, such as location and card type.

• CardRatings.com

www.cardratings.com

Contains credit-card news and insights, and with little elevation rate ongoing and introductory deals.

• Comparecards.com

comparecards.com/credit-card-guide.html

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