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CardBenefits

Tracks the principal's credit cards, their perks and annual credits, and points and miles balances across bank, airline and hotel programs, then turns them into which-card answers, unused-credit sweeps and points redemptions through transfer partners, all from the principal's own card data files. USE WHEN credit card benefits, card perks, which card should I use, annual credits, unused credits, expiring credits, my points, my miles, airline miles, hotel points, update my points balance, redeem points, transfer partners, plan a trip with points, refresh card perks. NOT FOR spending totals, expense tracking or bookkeeping, revenue or payments data, or moving money.

LifeOS/install/skills/CardBenefits/SKILL.md

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Nov 5, 2026
License
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# CardBenefits

Single source of truth for the principal's credit cards, their perks and points balances, and the planning layer that turns points into trips.

## Ideal State

- Every perk, credit or balance in an answer comes from the USER data files read in that run, and anything stale (>90 days) or marked UNVERIFIED is flagged inline instead of stated as fact.
- Each recommendation names the card, program or credit, its dollar or points value, and the exact next step the principal takes.
- The data files stay the single source of truth: balances change only on the principal's report or a statement, perks only after a web-verified refresh, credit status only on confirmed usage.
- Money never moves from this skill: transfers, bookings and activations are planned here. Where a booking skill is installed, it carries out a plan only after the principal's yes on the itemized total; otherwise the principal executes.

## Intent Routing

| Intent | Trigger | File |