Requirements
- Target platform
- OpenClaw
- Install method
- Manual import
- Extraction
- Extract archive
- Prerequisites
- OpenClaw
- Primary doc
- SKILL.md
Choose the right payment method, optimize rewards, handle disputes, and manage bills safely.
Choose the right payment method, optimize rewards, handle disputes, and manage bills safely.
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete.
I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run.
Activate on: "how should I pay", "which card", payment method questions, dispute help, fraud concerns, bill management. Before acting on payments: Never initiate or authorize payments without explicit user confirmation.
When user asks "which card should I use?": Check if category bonus applies (groceries, gas, dining, travel) If yes โ Use card with that bonus If no bonus โ Use highest flat-rate cashback card International? โ Use no-foreign-fee card For card category details, see cards.md.
MethodBest forWatch outCredit cardMost purchasesPay full balance monthlyDebit cardBudget controlLess fraud protectionCashNegotiation, privacyNo protection if lostBank transferLarge purchases, rentHard to reverseDigital walletConvenienceStill uses underlying card
If card stolen or suspicious charge: Freeze card immediately (app or call) Check recent transactions Report fraud to bank Request new card number Red flags โ never do this: Give full card number over phone (unsolicited call) Pay via gift cards or wire for purchases Click links in "fraud alert" texts For detailed fraud handling, see security.md.
Before disputing: Contact merchant first (often faster) Document everything (screenshots, receipts) Know time limits (usually 60-120 days) Chargeback reasons that work: Item not received Item significantly not as described Unauthorized charge Merchant won't honor refund policy For scripts and process, see disputes.md.
Autopay rules: Fixed bills (rent, subscriptions) โ Autopay full amount Variable bills (utilities, credit cards) โ Autopay minimum or manual Always: Calendar reminder 3 days before due Missed payment? Call immediately โ many issuers waive first late fee if you ask.
Statement credit / cashback: Simplest, automatic value Points: Can be worth more if transferred to travel partners When in doubt: Cashback is never wrong For optimization strategies, see rewards.md.
Workflow acceleration for inboxes, docs, calendars, planning, and execution loops.
Largest current source with strong distribution and engagement signals.