payment-reminders

name: payment-reminders description: Track credit card payment due dates and alert before they're due trigger: manual

Payment Reminders

Check for upcoming credit card payments and alert the user.

Prerequisites

Check that data/foliome.db exists. If not, respond: "No financial data found. Run /sync first to populate your accounts."

Data Freshness

After querying balances, check staleness:

• Data 24-48h old → note: "[Institution] data is [X] hours old. Balance may not reflect recent payments."
• Data >48h old → prominent warning: "[Institution] data is [X] days old — balance may be outdated."
• Never refuse to answer due to staleness.

Data Sources

Payment due dates come from two places:

1. Balance sync data — some banks include due dates in the dashboard text that the LLM extracts. Check the raw JSON in data/sync-output/*.json for fields mentioning "payment due", "due date", "minimum payment".

2. Known payment schedules — track in config/payment-schedule.json:

{
  "bankname-credit-1234": { "due_day": 5, "account_name": "Credit Card A" },
  "bankname-credit-5678": { "due_day": 20, "account_name": "Credit Card B" },
  "bankname-credit-9012": { "due_day": 31, "account_name": "Credit Card C" }
}

Check Logic

For each credit card account:

1. Get the current balance (latest from balances table)
2. Get the due date (from payment schedule or extracted from sync data)
3. If due within 5 days → alert
4. If due within 3 days → urgent alert
5. If overdue → critical alert

Query

SELECT b.account_id, b.account_name, b.balance
FROM balances b
INNER JOIN (SELECT account_id, MAX(synced_at) as ms FROM balances GROUP BY account_id) m
ON b.account_id = m.account_id AND b.synced_at = m.ms
WHERE b.account_type = 'credit'
AND b.balance < 0

Alert Format

PAYMENT REMINDERS

⚠ Credit Card A — $850.00 due March 20 (TODAY)
⚠ Credit Card B — $215.00 due March 20 (TODAY)
📅 Credit Card C — $1,200.00 due April 5 (16 days)
📅 Credit Card D — $475.50 due March 31 (11 days)

Via Telegram

• "What payments are due?" → show all upcoming
• "When is my Sapphire payment due?" → show specific card
• User can update due dates: "My Freedom payment is due on the 5th"