jiahongc/credit-card-skills

card-compare

Side-by-side comparison of two major-US credit cards across fees, earning rates, credits, transfer partners, and key benefits. Covers 11 major US issuers including co-branded hotel and airline cards.

card-credits

Return statement credits and cash-like credits for one major-US credit card — amount, cadence, trigger rules, enrollment requirements, and restrictions. Covers 11 major US issuers including co-branded hotel and airline cards.

card-full

Return a compact full report for one major-US credit card — fees, welcome offer, earning rates, redemption, credits, travel benefits, protections, mechanics, eligibility, and strategy. Covers 11 major US issuers including co-branded hotel and airline cards.

card-news

Return material news about one major-US credit card from the last 3 months — direct card changes, issuer updates, and major coverage. Covers 11 major US issuers including co-branded hotel and airline cards.

card-profile-recommend

Analyze a multi-card portfolio — grade each card (MVP / Keep / Consider Dropping), recommend 2–3 new additions with churning strategy, apply issuer rules (Chase 5/24, Amex lifetime bonus, Citi 8/65), and sequence applications to maximize signup bonuses.…

card-rate

Return earning rates, bonus categories, caps, exclusions, and merchant-coding caveats for one major-US credit card. Covers 11 major US issuers including co-branded hotel and airline cards.

card-transfer

Return transfer partners, ratios, timing, and restrictions for one major-US credit card. Covers 11 major US issuers including co-branded hotel and airline cards.

card-value

Estimate first-year value for one major-US credit card — welcome bonus + annual earn + credits minus annual fee. Accepts an optional spending breakdown. Covers 11 major US issuers including co-branded hotel and airline cards.

card-wallet

Audit a multi-card wallet — earning map, credit stack, overlaps, gaps, and total annual cost. Evaluates a user's full card lineup. Covers 11 major US issuers including co-branded hotel and airline cards.

card-shared

Shared research policy and output contracts for the card command suite (card-full, card-transfer, card-rate, card-news, card-credits, card-compare, card-value, card-wallet). Use as background reference, not as a user-facing command.

card-profile-recommend

Analyze a multi-card portfolio and return graded card assessments plus 2–3 concrete new-card recommendations with signup bonus strategy. Applies issuer application rules (Chase 5/24, Amex lifetime bonus, Amex 5-card limit, Citi 8/65 and 48-month, Capital One…

card-full

Return a compact full report for one major-US credit card, covering fees, offer, earnings, redemption, credits, travel benefits, protections, mechanics, eligibility, and strategy. Use when the user wants the whole card picture.

card-news

Return material news about one major-US credit card from the last 3 months, including direct card changes, relevant issuer updates, and major approved-site coverage. Use when the user wants the latest card-specific developments.

card-compare

Return a side-by-side comparison of two major-US credit cards across fees, earning rates, credits, transfer partners, and key benefits. Use when the user is deciding between two cards.

card-credits

Return statement credits and cash-like credits for one major-US credit card, including trigger rules, cadence, enrollment requirements, restrictions, and practical usage notes. Use when the user wants the credits picture only.

card-rate

Return earning rates, caps, exclusions, activation requirements, and merchant-coding caveats for one major-US credit card. Use when the user wants the earn-side details only.

card-transfer

Return transfer partners, transfer ratios, timing notes, and restrictions for one major-US credit card. Use when the user wants redemption-transfer details only.

card-value

Estimate first-year value for one major-US credit card given an optional spending breakdown. Returns welcome bonus + estimated earn + credits minus annual fee. Use when the user wants a quick value check.

card-wallet

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.

card-identity

Resolve a card name to an exact issuer, family, and variant. This is a hidden shared skill used internally by all card commands as their first step. Not user-facing.