data/tasks/objective_hard_10.json

{
  "task_id": "objective_hard_10",
  "version": "2.0.0",
  "created_at": "2026-03-18",
  "metadata": {
    "domain": "credit_card_optimization",
    "difficulty": "hard",
    "task_number": 10,
    "complexity_hint": {
      "max_tokens": 8000,
      "expected_output": "multi-card portfolio with sequencing and full EV breakdown"
    },
    "requires_human_review": false
  },
  "prompt": {
    "system": "",
    "user": "You\u2019re an expert financial advisor. Tell the user how to change their credit card setup to maximize EV over the next 3 years.\nI'm relatively new to credit cards but I want to try to maximize my CB/points. I'm 23 and fresh out of college. Full-time Uber driver (hence the high gas payments) for the next 2 months. I'm a relatively low spender, so I'm not looking for any annual fees right now (more than $95). Most importantly, I'll be living abroad for 9 months starting in October, so I'm looking for another card to maximize travel rewards. My Apple Card has no foreign transaction fee but the CB is capped at 2%. Thanks\\!\n\nCREDIT PROFILE\n\n* Current credit cards you are the primary account holder of: (list cards, limits, opening date):   \n  * Discover IT Student - $4800 limit, 7/23  \n  * Apple Card - $3000 limit, 7/24  \n* FICO Scores with source - FICO 760, Transunion 743  \n* Oldest credit card account age with you as primary name on the account: *1 year*  \n* Number of personal credit cards approved for in the past 6 months: *1*  \n* Number of personal credit cards approved for in the past 12 months: *2*  \n* Number of personal credit cards approved for in the past 24 months: *2*  \n* Annual income $: *35,000*\n\nCATEGORIES\n\n* OK with category-specific cards?: *YES*  \n* OK with rotating category cards?: *YES*  \n* Estimate average monthly spend in the categories below. Only include what you can pay by credit card.  \n  * Dining $: 150  \n  * Groceries $: *400, 200 when abroad*  \n  * Gas $: *350, 0 when abroad*  \n  * Travel $: *250, could be up to 500 when abroad*  \n  * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: *YES - Europe for 9 months starting in October*  \n  * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): *$0*  \n  * Any other significant, regular credit card spend you didn't include above?: *$0*  \n  * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: *$0*\n\nMEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)\n\n* Current member of Amazon Prime?: *NO*  \n* Current Verizon postpaid customer?: *NO*  \n* Current member of Costco or Sam's Club?: *NO*  \n* Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: *NO*  \n* Current member of Chase, US Bank or any other big bank?: *SoFI*  \n* Active US military?: *NO*  \n* Are you open to Business Cards?: *(these are an option if you have any kind of side gig, such as selling on eBay or Etsy) NO*\n\nPURPOSE\n\n* What's the purpose of your next card (choose ONE)?: *(first credit card, balance transfer, saving money, travel rewards): MAXIMIZING POINTS / MILES / CB*  \n  * If you answered \"travel rewards\", do you have a preferred airline and/or hotel chain?: *NO*  \n* Do you have any cards you've been looking at?: *After reading this sub, seems like the USBAR would be my ideal card a couple of years down the road. I think my next card will be the Citi Custom Cash / Double Cash to try to either maximize my 5% cashback or have a 2% catch-all (Mobile wallet with Apple Pay is nice so far).*",
    "knowledge_base_ref": "knowledge_base.md",
    "kb_filter": [
      "American Express Gold",
      "American Express Platinum",
      "Amex Blue Business Plus",
      "Amex Blue Cash Preferred",
      "Amex Business Gold",
      "Amex Business Platinum",
      "Amex Green",
      "Bilt Blue",
      "Bilt Obsidian",
      "Bilt Palladium",
      "Capital One Venture",
      "Capital One Venture X",
      "Chase Freedom Flex",
      "Chase Freedom Unlimited",
      "Chase Ink Business Preferred",
      "Chase Ink Business Unlimited",
      "Chase Sapphire Preferred",
      "Chase Sapphire Reserve",
      "Citi Custom Cash",
      "Citi Double Cash",
      "Citi Strata Premier",
      "Wells Fargo Autograph"
    ],
    "system_prompt_ref": "system_prompt_template.md"
  },
  "scoring": {
    "dimensions": {
      "card_selection": {
        "weight": 0.25,
        "type": "automated",
        "description": "F1 of recommended cards vs. optimal set",
        "checks": {
          "expected_cards": [
            "American Express Platinum",
            "Chase Sapphire Reserve",
            "Chase Ink Business Preferred",
            "American Express Gold",
            "Chase Sapphire Preferred"
          ]
        },
        "hard_constraint": false
      },
      "ev_accuracy": {
        "weight": 0.3,
        "type": "automated",
        "description": "EV accuracy vs. computed ground truth",
        "reference": {
          "user_profile": {
            "monthly_spend": {
              "dining": 150.0,
              "groceries": 0,
              "gas": 0,
              "travel": 0,
              "flights": 0,
              "hotels": 0,
              "streaming": 60,
              "online_shopping": 0,
              "everything_else": 0
            },
            "lounge_visits_per_year": 0,
            "delta_flights_per_year": 0,
            "united_flights_per_year": 0,
            "uses_uber": true,
            "uses_doordash": false,
            "uses_instacart": false,
            "uses_streaming": true,
            "has_global_entry": false,
            "uses_clear": false,
            "has_amazon_prime": true,
            "uses_resy_restaurants": false,
            "uses_hyatt_hotels": false,
            "uses_marriott_hotels": false,
            "uses_hilton_hotels": false,
            "monthly_rent": 0,
            "pays_housing_with_bilt": false,
            "time_horizon_months": 36,
            "existing_cards": [
              "Citi Custom Cash",
              "Discover IT",
              "Apple Card"
            ],
            "cards_opened_last_24_months": 7
          },
          "expected_card_ids": [
            "american_express_platinum",
            "chase_sapphire_reserve",
            "chase_ink_business_preferred",
            "american_express_gold",
            "chase_sapphire_preferred"
          ],
          "ev_tolerance_pct": 0.1
        }
      },
      "factual_fidelity": {
        "weight": 0.3,
        "type": "automated",
        "description": "Accuracy of factual claims about cards",
        "reference": {
          "extracted_claims": null,
          "reference_ev_usd": null
        }
      },
      "constraint_compliance": {
        "weight": 0.15,
        "type": "automated",
        "description": "Respects user constraints and issuer rules",
        "checks": {
          "expected_cards": [
            "American Express Platinum",
            "Chase Sapphire Reserve",
            "Chase Ink Business Preferred",
            "American Express Gold",
            "Chase Sapphire Preferred"
          ],
          "expected_housing_option": null
        },
        "hard_constraint": false
      }
    },
    "passing_threshold": 0.5,
    "hard_constraint_failure_zeroes_dimension": true
  },
  "reference_solution": {
    "_status": "COMPUTED",
    "recommended_cards": [
      "American Express Platinum",
      "Chase Sapphire Reserve",
      "Chase Ink Business Preferred",
      "American Express Gold",
      "Chase Sapphire Preferred"
    ],
    "total_ev_usd": null,
    "ev_breakdown": null,
    "housing_option": null,
    "key_constraints_flags": [],
    "expert_notes": "Ground truth EV computed from card_database.json + user_profile at evaluation time."
  }
}