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| { | |
| "task_id": "objective_hard_16", | |
| "version": "2.0.0", | |
| "created_at": "2026-03-18", | |
| "metadata": { | |
| "domain": "credit_card_optimization", | |
| "difficulty": "hard", | |
| "task_number": 16, | |
| "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.\nHello\\! Trying to figure out what credit card would supplement the ones I currently have or can be beneficial\\! \nCurrently prioritizing travel and/or saving. Thank you in advance to anyone who takes the time to over this and give recommendations\\!\n\n*CREDIT PROFILE * Current credit cards you are the primary account holder of:\n\n* *Chase Sapphire Preferred, $21,500 limit, 04/2024* \n* *Chase Freedom, $22,900 limit, 07/2022* \n* *CareCredit, $500 limit, 08/2017* \n* *Discover, $5,500 limit, 05/2016*\n\n* FICO Scores with source (see note on FICO score sources below):\n\n* *Experian: 748*\n\n* Oldest credit card account age with you as primary name on the account:\n\n* *9 years*\n\n* Number of personal credit cards approved for in the past 6 months: *None*\n\n* Number of personal credit cards approved for in the past 12 months: *None*\n\n* Number of personal credit cards approved for in the past 24 months: *1 credit card*\n\n* Annual income $: *152,000*\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 $: *600* \n * * Groceries $: *100-200 per week* \n * * Gas $: *120* \n * * Travel $: *Not traveling as of now* \n * * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: *If possible - thinking future travel would be between 1-2 weeks at a time 2-3times a year.* \n * * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): *$120 for pest control every 3 months.* \n * * Any other significant, regular credit card spend you didn't include above?: *$No* \n * * Can you pay rent by credit card? *Don't know - paying a mortgage*\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?: *Add-On member* \n* * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: *No (Paying Netflix and Spotify only)* \n* * Current member of Chase, US Bank or any other big bank?: *Yes - Chase* \n* * Active US military?: *No* \n* * Are you open to Business Cards?: *Maybe but don't have an active business - used to do some sell items on etsy (have thought of going back to this)*\n\nPURPOSE\n\n* * What's the purpose of your next card (choose ONE)?: *Saving Money and/or Travel complement* \n* * Do you have any cards you've been looking at? *No*", | |
| "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 Gold", | |
| "Chase Sapphire Reserve", | |
| "Chase Ink Business Preferred", | |
| "American Express Platinum", | |
| "Capital One Venture" | |
| ] | |
| }, | |
| "hard_constraint": false | |
| }, | |
| "ev_accuracy": { | |
| "weight": 0.3, | |
| "type": "automated", | |
| "description": "EV accuracy vs. computed ground truth", | |
| "reference": { | |
| "user_profile": { | |
| "monthly_spend": { | |
| "dining": 300, | |
| "groceries": 400, | |
| "everything_else": 500 | |
| }, | |
| "time_horizon_months": 36 | |
| }, | |
| "expected_card_ids": [ | |
| "american_express_gold", | |
| "chase_sapphire_reserve", | |
| "chase_ink_business_preferred", | |
| "american_express_platinum", | |
| "capital_one_venture" | |
| ], | |
| "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 Gold", | |
| "Chase Sapphire Reserve", | |
| "Chase Ink Business Preferred", | |
| "American Express Platinum", | |
| "Capital One Venture" | |
| ], | |
| "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 Gold", | |
| "Chase Sapphire Reserve", | |
| "Chase Ink Business Preferred", | |
| "American Express Platinum", | |
| "Capital One Venture" | |
| ], | |
| "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." | |
| } | |
| } | |