Pay

Choose the right payment method, optimize rewards, handle disputes, and manage bills safely.

Security Scan

This is an instruction-only, advisory skill about payment choice, rewards, disputes, and security; its files and runtime instructions align with that purpose and it requests no credentials or installs.

Purpose & Capability

Name/description match the content: guidance on which card/method to use, rewards optimization, dispute scripts, and fraud handling. No unrelated binaries, env vars, or config paths are requested.

Instruction Scope

SKILL.md and supporting documents are narrowly scoped to advisory tasks (card selection, dispute process, bill management, security best practices). The runtime instructions explicitly forbid initiating or authorizing payments without explicit user confirmation and do not instruct reading system files, credentials, or contacting external endpoints.

Install Mechanism

No install spec and no code files — instruction-only skill, so nothing is written to disk or downloaded during install.

Credentials

No required environment variables, credentials, or config paths are declared or referenced in the docs. Advice does not ask for secrets or tokens.

Persistence & Privilege

Skill is not always-enabled, and model invocation is the platform default. The skill does not request persistent system privileges or modify other skill/system configurations.

Assessment

This skill is advisory-only and coherent with its description. Because it has no code or installs and requests no credentials, its technical risk is low. Two practical cautions: (1) the skill's source/homepage is not provided — if provenance matters to you, prefer skills with verifiable authorship; (2) never give this or any agent your full card numbers, account passwords, or one-time codes. Also confirm the agent is not granted permission to actually execute payments or transfer credentials automatically; treat the skill as a source of guidance, not an automated payment processor.

Triggers

Activate on: "how should I pay", "which card", payment method questions, dispute help, fraud concerns, bill management.

Before acting on payments: Never initiate or authorize payments without explicit user confirmation.

Quick Decision: Which Card?

When user asks "which card should I use?":

1. Check if category bonus applies (groceries, gas, dining, travel)
2. If yes → Use card with that bonus
3. If no bonus → Use highest flat-rate cashback card
4. International? → Use no-foreign-fee card

For card category details, see cards.md.

Payment Method Selection

Method	Best for	Watch out
Credit card	Most purchases	Pay full balance monthly
Debit card	Budget control	Less fraud protection
Cash	Negotiation, privacy	No protection if lost
Bank transfer	Large purchases, rent	Hard to reverse
Digital wallet	Convenience	Still uses underlying card

Fraud & Security

If card stolen or suspicious charge:

1. Freeze card immediately (app or call)
2. Check recent transactions
3. Report fraud to bank
4. Request new card number

Red flags — never do this:

• Give full card number over phone (unsolicited call)
• Pay via gift cards or wire for purchases
• Click links in "fraud alert" texts

For detailed fraud handling, see security.md.

Disputes & Chargebacks

Before disputing:

1. Contact merchant first (often faster)
2. Document everything (screenshots, receipts)
3. Know time limits (usually 60-120 days)

Chargeback reasons that work:

• Item not received
• Item significantly not as described
• Unauthorized charge
• Merchant won't honor refund policy

For scripts and process, see disputes.md.

Bill Management

Autopay rules:

• Fixed bills (rent, subscriptions) → Autopay full amount
• Variable bills (utilities, credit cards) → Autopay minimum or manual
• Always: Calendar reminder 3 days before due

Missed payment? Call immediately — many issuers waive first late fee if you ask.

Rewards Basics

• Statement credit / cashback: Simplest, automatic value
• Points: Can be worth more if transferred to travel partners
• When in doubt: Cashback is never wrong

For optimization strategies, see rewards.md.