Card Wallet

接收用户持有的信用卡列表，联网检索各卡年费、主要返利类别与权益，构建消费类别收益地图，找出权益重叠、未覆盖类别与年度总费用负担，并输出带置信度说明的审计报告。流程引用同目录下的卡片识别与共享规则文件，缺少这些依赖时无法完整执行。

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最近更新 2026-08-10 01:27:16

分类：生活依赖：联网浏览搜索 / 读写文件 / 内部调用大模型应用场景：财务 / 个人理财 / 研究 / 报告撰写

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add card-wallet

Metadata

name: card-wallet
description: 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.

Return a compact wallet audit for a set of cards the user holds.

Accept a comma-separated list of cards.

Resolve every card with ../card-identity/SKILL.md. If any card is ambiguous, stop and ask only for that clarification.
Follow the card-wallet strategy in ../card-shared/source-policy.yaml.
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.
Build an earning map across common categories: dining, groceries, gas, travel, streaming, transit, drugstore, online shopping, rent, hotel, airline, and general spend.
Identify overlap, uncovered categories, redundant benefits, and total annual fee drag.
Fill the card-wallet contract in ../card-shared/command-contracts.yaml.
Apply ../card-shared/confidence-rules.md and ../card-shared/normalization-rules.md. Keep sources in hidden YAML only.

Only include statement credits and subscription offsets in the credits stack. Do not treat point multipliers as credits.