Operating problem

Card fees, benefits, and reward rules change quietly. Cardholders rarely notice until a fee posts or a benefit lapses, and keeping track usually means a spreadsheet or handing over bank credentials.

What changed

Each card fact links to an issuer page or PDF. Those sources are watched for changes, and every change passes human review before it reaches the wallets holding that card. No bank connection or card number is needed.

System scope

• Issuer-sourced card catalogue with edit history
• Source monitoring with capture-quality checks
• Private wallets with email-link sign-in
• Reviewed change notices, reminders, and opt-in email

Technical constraints

• Treat a changed issuer page as a candidate for review, never as a verified fact.
• Keep unknown or unpublished terms explicit instead of guessing fees, rates, or reset dates.
• Keep each cardholder's wallet, notes, and export isolated from other accounts and from the shared catalogue.

Evidence

Catalogue

146 Canadian cards backed by 509 issuer pages and PDFs.