Card Profile Recommend

Grade a wallet and recommend next cards

Return a graded portfolio audit plus concrete next-card recommendations.

Input

Accept a comma-separated list of cards. Optional opening dates may appear inline or after an opened: note. When dates are missing, treat issuer timing rules as partially unknown and say so.

Workflow

1. Resolve every existing card with ../card-identity/SKILL.md. If any card is ambiguous, stop and ask only for that clarification.
2. Follow the card-profile-recommend search ceiling and preferred sources in ../card-shared/source-policy.yaml.
3. Group held cards by issuer. Research each issuer once for fees, usable credits, major earning categories, transfer access, and notable benefits; reuse those facts across that issuer's cards.
4. Identify portfolio gaps before researching candidates. In parallel, research only the two or three candidates that can fill a named gap or materially improve bonus value. Exclude cards the user already holds and apply the same shared fetch-safety rules.
5. Compute portfolio economics: gross fees, realistic credits, net annual cost, and effective cents-per-point by ecosystem. If the wallet lacks a transfer-enabling card for a currency, value that currency at 1.0 cpp.
6. Build the earning map by category using effective value per dollar, not raw multiplier alone.
7. Grade each held card as MVP, Keep, or Consider Dropping using the rules below.
8. Recommend two or three personal cards only. Apply issuer rules before recommending them. Do not research a candidate merely to expand the list.
9. Sequence the applications by rule constraints, welcome-offer quality, and spend feasibility.
10. Fill the card-profile-recommend contract in ../card-shared/command-contracts.yaml, then apply ../card-shared/confidence-rules.md and ../card-shared/normalization-rules.md. Keep sources in hidden YAML only.

Required Sections

• ## 🃏 Cards Entered
• ## 📊 Portfolio Summary
• ## 🏅 Card Grades
• ## 🗺️ Earning Map
• ## 🔻 Consider Dropping
• ## 🕳️ Portfolio Gaps
• ## ➕ Recommended Additions
• ## 🎯 Signup Bonus Strategy
• ## ⚖️ Issuer Rules Check
• ## 🔍 Confidence Notes

Omit ## 🔻 Consider Dropping when no held cards belong there.

Grading Rules

• Grade MVP when a card is cheap to keep or uniquely valuable in the wallet.
• Grade Keep when the card still has real strategic value, credit-history value, or recent-account timing value.
• Grade Consider Dropping only when the fee drag is real and the card does not uniquely unlock an earning lane, benefit, or transferable ecosystem.
• Never place the wallet's only transfer-enabling card for a rewards ecosystem in Consider Dropping.
• If the user provides opening dates, treat cards opened within the last 12 months as strong Keep candidates unless the downside is overwhelming.

Issuer Rules

• Check Chase 5/24.
• Check Amex lifetime-language risk and the five-credit-card limit.
• Check Citi 8/65 and 48-month family timing.
• Check Capital One application spacing and two-card limits when relevant.
• Do not recommend business cards in this skill.