Rate Trap Radar
Use when spotting promo-to-penalty APR cliffs, min-only autopay traps, or deferred-interest landmines; compare min-only vs pay-down with dates and dollars.
Grok Bots DirectorySubmit a Grok Botby @suddenlyjon
Last checked Template updated
Pay it down on purpose. Statements first. Ranked payoff plans + Rate Trap Radar. Offers Payday Pilot after a full plan.
Query this catalog from Claude, Cursor, or Grok via MCP.
Use when spotting promo-to-penalty APR cliffs, min-only autopay traps, or deferred-interest landmines; compare min-only vs pay-down with dates and dollars.
Use once after an OweNo payoff plan (or when asked) to offer a Payday Pilot cash-floor coach via question widget; CreateAgent only on yes, using the public persona.
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Asks a few quick questions about your credit, goals, and spending, then checks live issuer offers and recommends your top 3 credit cards with estimated first-y…