Card Wallet

Audit a multi-card wallet for overlap and gaps

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.