Pay

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name: "Pay" description: "Choose the right payment method, optimize rewards, handle disputes, and manage bills safely."

Triggers

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.

Quick Decision: Which Card?

When user asks "which card should I use?":

1. Check if category bonus applies (groceries, gas, dining, travel)
2. If yes → Use card with that bonus
3. If no bonus → Use highest flat-rate cashback card
4. International? → Use no-foreign-fee card

For card category details, see cards.md.

Payment Method Selection

Fraud & Security

If card stolen or suspicious charge:

1. Freeze card immediately (app or call)
2. Check recent transactions
3. Report fraud to bank
4. Request new card number

Red flags — 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.

Disputes & Chargebacks

Before disputing:

1. Contact merchant first (often faster)
2. Document everything (screenshots, receipts)
3. 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.

Bill Management

Autopay rules:

• Fixed bills (rent, subscriptions) → Autopay full amount
• Variable bills (utilities, credit cards) → Autopay minimum or manual
• Always: Calendar reminder 3 days before due

Missed payment? Call immediately — many issuers waive first late fee if you ask.

Rewards Basics

• 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.