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

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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 be done lightly. Savvy consumers should find a deal that locks in the lowest rate.

A good place to comparison-shop is the Web. Several useful sites sort 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 rate data based on specific criteria, such as location and card type.

CardRatings.com

www.cardratings.com

Contains credit-card news and insights, and low rate ongoing and introductory deals.

Comparecards.com

comparecards.com/credit-card-guide.html

Provides consumer credit-card use and shopping insights, and credit-card comparisons by category, credit quality, brand and issuer.

CreditCardGuide.com

www.creditcardguide.com

Offers a wide range of credit-card topics by category and consumer tips.

• Index credit cards

indexcreditcards.com

Features variety of credit-card information, including “Top 10” low rate, reward credit cards, business and student credit cards.