安全

Card Wallet

试用

Audit a multi-card wallet for overlap and gaps

它能做什么

Audit a multi-card wallet for overlap, gaps, and total annual cost. Given a list of cards the user holds, identifies redundant benefits, uncovered spend categories, and net fee burden. Use when the user wants to evaluate their full card lineup.

技能文档

Card Wallet

Return a compact wallet audit for a set of cards the user holds.

Input

Accept a comma-separated list of cards.

Workflow

  1. Resolve every card with ../card-identity/SKILL.md. If any card is ambiguous, stop and ask only for that clarification.
  2. Follow the card-wallet strategy in ../card-shared/source-policy.yaml.
  3. Research each card for annual fee, key earning categories, credits, and notable benefits using WebFetch and the URL-safety rules in ../card-shared/source-policy.yaml.
  4. Build an earning map across common categories: dining, groceries, gas, travel, streaming, transit, drugstore, online shopping, rent, hotel, airline, and general spend.
  5. Identify overlap, uncovered categories, redundant benefits, and total annual fee drag.
  6. Fill the card-wallet contract in ../card-shared/command-contracts.yaml.
  7. Apply ../card-shared/confidence-rules.md and ../card-shared/normalization-rules.md. Keep sources in hidden YAML only.

Required Sections

  • ## 💰 Annual Cost
  • ## 📈 Earning Map
  • ## 🏷️ Credits Stack
  • ## 🔁 Overlap
  • ## 🕳️ Gaps
  • ## 📋 Confidence Notes

Only include statement credits and subscription offsets in the credits stack. Do not treat point multipliers as credits.

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