card-wallet

name	card-wallet
description	Track credit card benefits (use-it-or-lose-it credits) and optimize which card to use per purchase category. Manages both household cardholders.

Card Wallet

The purchase-optimizer half merges in the card-optimizer skill by scottfo on ClawHub. Spratt's contribution: unified the data store into SQLite (replacing the JSON file), added multi-cardholder support, and integrated quarterly category management with the benefit-expiry tracker.

Two functions in one skill:

1. Benefit tracking — expiring credits, Saturday cron reminders, mark used/skipped
2. Purchase optimizer — "which card for groceries?" based on reward rates, caps, and network acceptance

Database

~/.config/spratt/cards/cards.sqlite

Tables: cards, benefits, usage, benefit_changes, reward_rates, quarterly_categories, spending_estimates

---

Part 1: Benefit Tracking

Check what's pending for someone

sqlite3 ~/.config/spratt/cards/cards.sqlite "
  SELECT b.name, b.amount, b.cycle, u.period_key, c.card_name
  FROM usage u
  JOIN benefits b ON u.benefit_id = b.id
  JOIN cards c ON b.card_id = c.id
  WHERE u.status = 'pending' AND c.holder = 'manan'
  ORDER BY u.period_key
"

Mark a benefit as used

When someone says "used the Uber credit" or "used Saks", match the benefit by name and mark the current period:

sqlite3 ~/.config/spratt/cards/cards.sqlite "
  UPDATE usage SET status = 'used', acknowledged_at = datetime('now')
  WHERE benefit_id = (
    SELECT b.id FROM benefits b JOIN cards c ON b.card_id = c.id
    WHERE b.name LIKE '%Uber%' AND c.holder = 'manan' AND b.active = 1
  )
  AND period_key = '2026-04'
  AND status = 'pending'
"