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Briefing

Card Payment Operations

The operating layer the balance sheet skipped — when each card closes, when it's due, and whether autopay actually has it covered.

Updated Audit 2026-06-05

The 5/18 build cataloged balances beautifully but never captured payment timing. This is that layer: per card, when the statement closes, when payment is due, and whether autopay actually covers the full balance. Built from the most recent statement on file. Pay-intent is blank on purpose — that's the one column only you can fill.

🐦 The canary — BoA Spirit Airlines (••3291)

Due 06/04/2026 with no autopay detected and a $10,920 balance. This is the payment you almost missed. Due date has now passed — confirm it posted in your BoA account.

💸 Two silent interest leaks — autopay set to minimum-only

Amazon Store (••0419, $932) and the Synchrony card ••4485 ($729) are both on autopay minimum — they look "handled" but carry a balance and accrue interest every month. Flip to statement-balance or pay off.

4
Loud-alarm cards
4
No statement on file
3
Stale data (>60d)
Card Holder Cycle (close → due) Balance Autopay Data Alarm Pay intent
BoA Spirit Airlines
Bank of America ••3291
  • CANARY — this is the card Topher almost missed 2026-06-05
  • Due 2026-06-04 has PASSED as of today — CONFIRM it was actually paid
  • No autopay detected + $10,920 balance (0% BT parked) = the single highest-risk payment in the wallet
  • 0% balance-transfer promo end date still unknown — when it lapses, APR re-engages on the full balance
 Topher 7th → 4th
last due 2026-06-04
 $10,920 No autopay Current Loud alarm ⬜ set this
Venmo Visa
Synchrony ••6051
  • $7,174 balance bleeding interest — second-highest-rate carry after Lafayette
  • Payment is human-routed (Jaime), not issuer autopay — single point of failure
 Topher 4th → 27th
last due 2026-05-27
 $7,174 Autopay unknown Current Loud alarm ⬜ set this
Amazon Prime Store Card
Synchrony ••0419
  • FALSE COMFORT — autopay is minimum-only, so the $932 balance carries and accrues interest while appearing 'handled'
  • Forgotten-money fix: switch autopay to statement-balance (full) or pay it off
 Topher 8th → 1st
last due 2026-06-01
 $932 Autopay = MIN only Current Loud alarm ⬜ set this
Synchrony store card ending 4485 (likely Lowe's Advantage — CONFIRM)
Synchrony ••4485
  • MIS-LABELED in SQLite as 'synchrony_0000' — actual account ends 4485. Another labeling miss the 5/18 build introduced.
  • Identity unconfirmed — last4 4485 not matched to a known card. Lowe's Advantage (Synchrony, last4 was TBD) is the most likely match.
  • Autopay minimum-only on a $728 balance = same interest-leak pattern as Amazon
  • Last statement is March 2026 — data is stale, pull a fresh one
 Topher 24th → 19th
last due 2026-03-19
 $729 Autopay = MIN only Stale Loud alarm ⬜ set this
Synchrony Mastercard (2% flat)
Synchrony ••0308
  • $30 late fee hit Jan 2026 per overview — confirm autopay is actually on
  • Last statement Feb 2026 — stale
 Topher 3rd → 26th
last due 2026-02-26
 $0 Autopay unknown Stale TBD ⬜ set this
USAA Visa (primary, variant TBD)
USAA ••2957
  • Data 14 months old — needs a fresh statement to establish cycle
  • $692 balance as of the stale statement — verify current
 Topher (joint) — → — $692 Autopay unknown Stale TBD ⬜ set this
Delta SkyMiles Reserve Business
American Express ••1006
  • $650 AF card with ZERO operating data — highest-fee card in the wallet, completely dark on payment timing
  • Need a real statement PDF (Amex → Statements & Activity → Download PDF) or autopay confirmation
 Topher (Aspire Digital LLC) — → — — Autopay unknown No statement TBD ⬜ set this
Delta SkyMiles Platinum
American Express ••1001
  • $350 AF card, no operating data — need statement PDF or autopay confirmation
 Topher — → — — Autopay unknown No statement TBD ⬜ set this
Hilton Honors Aspire
American Express ••1009
  • $550 AF card, no operating data — need statement PDF or autopay confirmation
 Topher — → — — Autopay unknown No statement TBD ⬜ set this
MGM Rewards Mastercard
FNBO ••7536
  • Small $78 balance; need an FNBO statement to confirm cycle + autopay
 Topher — → 15th — Autopay unknown No statement TBD ⬜ set this
Capital One Quicksilver World Elite
Capital One ••4404
 Topher 26th → 21st
last due 2026-05-21
 $0 Autopay unknown Current Quiet ⬜ set this
USAA Visa (secondary)
USAA ••6775
 Topher (joint) 26th → 21st
last due 2026-05-21
 $0 Autopay unknown Current Quiet ⬜ set this

Autopay states: No autopay manual, can be missed · Autopay = MIN only carries a balance, leaks interest · Autopay full safe · unknown not on statement face. Pay intent is the call only you make per card: autopay-full (set & forget), autopay-min, or manual-strategic (you time it for float / statement-balance gaming). Manual-strategic cards get the loudest reminders.

What only you can fill

Six things turn this from a snapshot into a working alarm system. Once these are in, the payment calendar + morning reminders + auto-firing Linear alerts all build off this file.

  1. Confirm Spirit (BoA 3291) payment for 6/4 actually went through
  2. Set pay_intent per card: autopay_full / autopay_min / manual_strategic
  3. Identify the 4485 Synchrony card (Lowe's?)
  4. Upload one recent statement PDF for each Amex card (1006, 1001, 1009) + FNBO MGM (7536)
  5. BoA Spirit 0% balance-transfer promo end date
  6. Whether Amazon + 4485 autopay should flip from minimum to full