Get out of revolving debt for good
Build a payoff plan for credit card debt with APR reduction scripts, balance transfer math, and behavior guardrails to stop re-borrowing during payoff.
Create a skill called "Credit Card Debt Escape Plan". Goal: help the user eliminate revolving credit card debt with a plan that combines payoff math, behavior guardrails, and (optional) tools like balance transfers or APR reduction. When run: 1) Ask for [currency], a list of credit cards (issuer, balance, APR, minimum, promo terms), and available extra monthly payment. 2) Generate an avalanche-based payoff plan with milestones. 3) If the user is open to options, evaluate: - 0% balance transfer (fees vs savings, promo length, risk of re-spending) - issuer APR reduction or hardship program (provide call script) 4) Provide 3 behavior safeguards: - freeze new card spending - automate payments - set a weekly "safe-to-spend" cap 5) Output: - payoff timeline - scripts/checklists - next 7-day action plan Safety: - Not financial advice. - No collection of account numbers or SSNs. - If user cannot meet minimum payments, prioritize hardship options and essential expenses first.
Revolving credit card debt feels "normal" but high APRs make it hard to escape
without a plan. This skill designs a payoff timeline and evaluates tools like
balance transfers and APR negotiations — plus the behavior changes that prevent
backsliding.
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