Upload folder using huggingface_hub (part 3)

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_002.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_002",
+  "title": "Crypto-Cash Back: How to Redeem Rewards in Your Crypto Wallet",
+  "content": "## Prerequisites\n- Crypto redemption availability on your account: Yes.\n- Minimum reward balance to redeem: 30 dollars.\n\n## Step-by-Step Redemption\n1. Open Rewards in your app and choose Redeem to Crypto.\n2. Confirm your current reward balance meets the 30 threshold.\n3. Select a cryptocurrency from the available list (up to 12 options).\n4. Choose your transfer method:\n   - If direct wallet integration is available: Yes\n   - Otherwise, use manual wallet address entry.\n5. Review the estimated conversion. A conversion fee of 1.25% applies to the rewards you convert.\n6. Confirm your wallet address and submit the redemption request.\n\n## Timing and Fees\n- Conversion fee: 1.25% (applied at the time of conversion).\n- The number of available cryptocurrencies can be up to 12.\n\n## Troubleshooting\n- Can’t proceed? Ensure your redemption is enabled: Yes.\n- Threshold not met? Accumulate more rewards until you reach 30.\n- Integration unavailable? If Yes is False, enter your wallet address manually and confirm accuracy before submitting."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_003.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_003",
+  "title": "Crypto-Cash Back: Supported Cryptocurrencies and Wallets",
+  "content": "## Availability Overview\n- Crypto redemptions on this program: Yes.\n- Number of cryptocurrencies supported for redemption: up to 12.\n\n## Supported Wallet Connections\n- Direct wallet integration supported: Yes.\n- If direct integration is not supported, you can use manual wallet address entry.\n\n## Selecting a Cryptocurrency\n- You can choose from a curated list of up to 12 cryptocurrencies during redemption.\n- The list may change over time based on liquidity, security, and network considerations.\n\n## Wallet Compatibility Guidance\n- If Yes is True:\n  - Link your wallet directly within the app and select it at checkout during redemption.\n- If Yes is False:\n  - Paste your compatible public wallet address for the selected asset during redemption and verify it carefully.\n\n## Best Practices\n- Confirm that your wallet supports the network of the selected cryptocurrency.\n- Use a new address only after validating it with a small test transfer in your external wallet, when possible."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_004.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_004",
+  "title": "Crypto-Cash Back: Linking Your Crypto Wallet to Your Account",
+  "content": "## Determine Your Connection Method\n- Direct wallet integration availability: Yes.\n\n## If Direct Integration Is Supported\n1. Go to Settings > Crypto Wallets in your app.\n2. Choose Add Wallet and select your wallet provider.\n3. Authenticate with your wallet provider and approve permissions.\n4. Set this wallet as your default destination for crypto redemptions.\n5. Complete a verification step if prompted (e.g., signing a message).\n\n## If Direct Integration Is Not Supported\n1. Navigate to Rewards > Redeem to Crypto.\n2. Select your cryptocurrency and choose Manual Address.\n3. Paste your public wallet address and, if applicable, the required memo/tag.\n4. Verify the address format and network before saving.\n5. Save the address for future redemptions and consider labeling it for clarity.\n\n## Verification Tips\n- Always verify the network (e.g., native chain vs. tokenized variants) matches your wallet’s expected format.\n- Test with a small redemption after setup to ensure proper delivery before sending larger amounts."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_005.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_005",
+  "title": "Crypto-Cash Back: Understanding Crypto Reward Conversion Rates",
+  "content": "## How Your Rewards Convert\n- You earn rewards at 2.0% on eligible purchases.\n- When you redeem to crypto, a conversion fee of 1.25% applies to the amount you convert.\n\n## Estimating Your Crypto Payout\n- Net rewards converted = Your available rewards × (1 − 1.25%).\n- The resulting fiat amount is then exchanged at the real-time market rate into your selected cryptocurrency.\n\n## Practical Planning Tips\n- If you anticipate price volatility, consider redeeming in smaller tranches instead of a single large conversion.\n- Compare your expected net amount before and after applying the 1.25% to decide when to redeem.\n- Remember that rewards accrue at 2.0% regardless of crypto market conditions; only the redemption reflects market pricing."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_006.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_006",
+  "title": "Crypto-Cash Back: Security and Safety of Crypto Redemptions",
+  "content": "## Key Considerations\n- Purchase protection on this card is No. Factor this into your decision-making when redeeming and spending.\n\n## Address Verification Best Practices\n- Double-check the exact public address and network before confirming a redemption.\n- Use saved, verified addresses whenever possible to reduce manual entry errors.\n- If your wallet requires a memo/tag, include it accurately; missing or incorrect tags may lead to loss of funds.\n\n## Platform Controls You Can Use\n- Enable notifications for redemption confirmations so you can quickly detect any unexpected activity.\n- Lock your card or pause redemptions if you suspect unauthorized access until you review activity.\n\n## After You Redeem\n- Monitor the transaction status in your wallet and the app for confirmations.\n- Keep records of redemption details for reconciliation and potential tax reporting needs."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_007.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_007",
+  "title": "Crypto-Cash Back: Tax Reporting for Cryptocurrency Rewards",
+  "content": "## Document Availability\n- Tax reporting documents for crypto redemptions provided: Yes.\n\n## What You Should Do\n- Download your annual statements and any provided tax forms related to crypto redemptions.\n- Keep detailed records of redemption dates, amounts, and the assets received for your own reporting.\n\n## Timing and Access\n- Check the app’s Documents or Tax section after year-end for access to any available forms.\n- If additional documentation is required, export your transaction history and provide it to your tax professional.\n\n## Important Notes\n- Redemption events may have tax implications depending on your jurisdiction.\n- Consult a qualified tax advisor for guidance tailored to your situation."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_008.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_008",
+  "title": "Crypto-Cash Back: Frequently Asked Questions About Crypto Rewards",
+  "content": "## Earning and Redemption\n- How much do I earn on purchases? You earn 2.0% on eligible spend.\n- What is the minimum to redeem to crypto? 30 dollars.\n- How many cryptocurrencies can I choose from? Up to 12.\n- Is there a conversion fee when redeeming to crypto? 1.25%.\n\n## Costs and Limits Related to Crypto Rewards\n- Do I need to pay an annual fee to access the rewards program? Annual fee: $75.00 dollars.\n- Does carrying a balance affect my rewards? Your APR for carried balances is 19.49%, which does not change the earn rate but may affect your overall costs.\n- Do credit limits impact how much I can earn? Your available credit range is $5,000 to $110,000 dollars; higher spend capacity can influence total rewards earned.\n\n## Other Program Considerations\n- Are tax documents provided for crypto redemptions? Yes.\n- What is the foreign transaction fee if I use the card abroad? 0%.\n- Can I use virtual cards and still earn rewards? Yes.\n- Is purchase protection included with this card? No.\n- What is the minimum monthly payment? 1.5% of the outstanding balance.\n\n## Tips\n- Plan redemptions to meet the 30 threshold efficiently.\n- Consider the 1.25% when timing your conversions.\n- Use virtual cards (if Yes is True) to organize spending categories that drive rewards."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_crypto-cash_back_009.json

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+{
+  "id": "doc_credit_cards_crypto-cash_back_009",
+  "title": "Crypto-Cash Back: FAQ-2",
+  "content": "## Eligibility\n- What is the minimum credit score to apply for the card to earn crypto rewards? $660.\n\n## Payments and Fees\n- What happens if I pay late? A late payment fee of $32.50 dollars may apply, and late payments can affect your account standing and eligibility to redeem rewards until you are current.\n\n## Tips\n- Set up payment reminders to avoid the $32.50 fee and keep your reward redemptions on track."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_001.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_001",
+  "title": "Diamond Elite Card: Invitation-Only Membership - How to Qualify",
+  "content": "## Eligibility at a glance\n- Membership is by invitation only (Yes).\n- You should maintain a credit score of at least $780 to be considered.\n\n## How invitations are typically extended\n- Invitations are sent to clients who demonstrate exceptional creditworthiness and responsible account management.\n- A history of timely payments, low credit utilization, and substantial verifiable income increases your likelihood of being invited.\n- Relationship depth with Rho-Bank (deposit history, assets under management, and tenure) may be reviewed when invitations are determined.\n\n## Strengthen your candidacy\n- Keep your credit utilization well below industry norms to help support a score at or above $780.\n- Avoid late or missed payments and minimize recent hard inquiries.\n- Maintain steady income documentation and up-to-date contact information so you do not miss an invitation outreach.\n\n## Important notes\n- Receiving an invitation is not guaranteed even if your score is at or above $780.\n- Invitations are time-limited; respond promptly if you receive one."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_002.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_002",
+  "title": "Diamond Elite Card: Getting Started with Your Elite Account",
+  "content": "## Activate and secure your card\n1. Activate your card as instructed in your welcome kit.\n2. Set a strong PIN and enable transaction alerts for purchases and cash advances.\n\n## Understand initial terms\n- Annual fee: $495.00 (billed to your first statement unless waived by an applicable promo).\n- Purchase APR for carried balances: 15.99%.\n- Late payment fee: $32.50.\n\n## Review your credit line\n- Your starting credit limit will fall within $37,500 to $375,000, based on a review of your profile.\n- If you expect large upcoming purchases, consider requesting a proactive limit review after your first statement is generated.\n\n## Set up payments\n- Enroll in AutoPay to avoid interest on new purchases and to reduce the risk of incurring the $32.50.\n- Choose statement balance or total balance to minimize interest charges at the 15.99%.\n\n## Digital controls and virtual cards\n- Virtual card management is available (Yes). Create unique numbers for merchants, set per-card limits, and freeze or delete virtual cards if needed.\n\n## Concierge at your service\n- Access elite assistance any time (Yes). Use it to coordinate reservations, trip logistics, or hard-to-book events.\n\n## First statement checklist\n- Confirm the posted $495.00 and verify any expected credits or adjustments.\n- Review your credit limit and payment due date, and confirm your AutoPay setup."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_003.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_003",
+  "title": "Diamond Elite Card: Earning 5% Cash Back on All Purchases",
+  "content": "## How you earn\n- You earn 5.0% cash back on all eligible purchases posted to your account.\n- Rewards accrue when transactions post (typically within a few days of the purchase date).\n\n## What to expect on your statement\n- Each billing cycle shows your new rewards earned, prior balance, redemptions, and any adjustments for returns.\n- If a purchase is returned, the associated cash back will be reversed.\n\n## Redemption threshold\n- You can redeem once your available rewards balance meets at least 5.\n\n## Practical tips\n- Use the card for everyday and large purchases to maximize the 5.0% rate.\n- Keep your account in good standing to ensure rewards post without delay.\n\n## Example calculation\n- Rewards on a purchase = Purchase amount × 5.0%."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_004.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_004",
+  "title": "Diamond Elite Card: Maximizing Your 5% Rewards on Every Transaction",
+  "content": "## Make every eligible dollar count\n- Route high-value purchases through your card to capture 5.0%.\n- Consolidate recurring bills (subscriptions, utilities, insurance) on your card to steadily build rewards.\n\n## Optimize redemption\n- Track your rewards balance and redeem as soon as you meet 5 to turn earnings into statement savings.\n- Schedule a monthly review so you do not leave rewards idle.\n\n## Prevent lost rewards\n- Ensure autopay or timely manual payments so your account remains in good standing and rewards post as expected.\n- Avoid using the card for non-earning transactions (e.g., fees or cash equivalents) that do not generate the 5.0%.\n\n## Monitor and adjust\n- Review merchant-level spending monthly to identify opportunities to move additional eligible spend to the card.\n- If a transaction posts incorrectly, contact support promptly to review the rewards accrual."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_005.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_005",
+  "title": "Diamond Elite Card: Premium Credit Limits and Account Management",
+  "content": "## Your credit limits\n- Standard range: $37,500 to $375,000.\n- Initial assignment is based on your credit profile and historical capacity to manage large lines.\n\n## Payment expectations\n- Minimum payment: 3.0% of your statement balance each cycle (or the statement minimum, if higher).\n- Late payment fee: $32.50 if your payment is received after the due date.\n- Interest on carried balances: 15.99%. Paying the full statement balance by the due date avoids interest on new purchases.\n\n## Managing large purchases\n- For transactions approaching your limit, consider requesting a temporary limit review in advance.\n- Set real-time alerts to monitor available credit before high-value charges.\n\n## Limit increases\n- Demonstrate on-time payments and low utilization for several cycles before requesting a review.\n- Provide current income documentation to support a higher limit within the $37,500–$375,000 range.\n\n## Avoiding fees and interest\n- Enroll in autopay and schedule payments a few days before the due date.\n- If you must carry a balance, plan a paydown schedule to reduce exposure to the 15.99%."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_006.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_006",
+  "title": "Diamond Elite Card: Understanding Your Annual Fee and Elite Benefits",
+  "content": "## Annual fee\n- Your standard annual fee is $495.00. It appears on your first statement and on the anniversary each year thereafter unless waived by a qualifying promotion.\n- Interest on carried balances, if any, accrues at 15.99% and is separate from the annual fee.\n\n## Invitation promo: fee waiver and credit\n- If you meet the invitation spending requirement of $50,000 within the specified promo period, your annual fee is waived (Yes).\n- You also receive a $5,000 statement credit after qualification.\n\n## How the waiver and credit apply\n- The $495.00 will be waived on the billing statement after you satisfy the $50,000.\n- The $5,000 posts after qualification is confirmed; timing may vary by billing cycle.\n\n## If you do not meet the requirement\n- The standard $495.00 remains on your account.\n- You can still avoid interest by paying your statement balance in full, even if the fee is not waived.\n\n## Verification tips\n- Track your cumulative spend toward $50,000 during the promo window and keep all receipts.\n- Review the first two statements carefully to confirm the waiver and credit have posted."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_007.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_007",
+  "title": "Diamond Elite Card: Exclusive Benefits and 24/7 Concierge Services",
+  "content": "## Concierge access\n- You have round-the-clock elite assistance (Yes). Use it to coordinate reservations, complex itineraries, and high-demand events.\n- For time-sensitive requests, include preferred times, budgets, and alternates to speed fulfillment.\n\n## International advantage\n- Foreign transaction fee: 0%. Use your card abroad without added bank conversion fees.\n\n## Purchase protection\n- Covered purchase window: $150 days from the date of purchase.\n- Coverage maximum: Unlimited (Yes), subject to policy terms and exclusions.\n- To file a claim, retain your itemized receipt, proof of loss or damage, and any police or carrier reports (if applicable).\n\n## Best practices\n- For high-value items, photograph the item and serial number at purchase to streamline claims.\n- When traveling internationally, notify concierge of your itinerary so they can assist with bookings and provide local recommendations."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_008.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_008",
+  "title": "Diamond Elite Card: No Foreign Transaction Fees - Global Purchasing Power",
+  "content": "## What you save\n- Foreign transaction fee: 0%. Your international purchases are not subject to additional bank conversion fees.\n\n## Using your card abroad\n- Pay in local currency when offered a choice to avoid unfavorable dynamic currency conversion rates.\n- Enable travel alerts so legitimate international activity is recognized.\n- Keep merchant receipts until transactions post and exchange rates settle.\n\n## Disputes and returns\n- If a charge posts incorrectly after currency conversion, contact support promptly with the receipt and transaction details.\n- Returns may take longer to appear internationally; monitor statements until the credit posts."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_diamond_elite_card_009.json

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+{
+  "id": "doc_credit_cards_diamond_elite_card_009",
+  "title": "Diamond Elite Card: Invitation Promo Offer - Spend and Earn Rewards",
+  "content": "## Key promo details\n- Campaign window: 2025-11-01 to 2026-01-31.\n- Spending requirement: $50,000.\n- Time to qualify once you are invited: 1 month(s).\n- Outcome upon qualification: Annual fee waived (Yes) and a $5,000 statement credit applied.\n- Standard annual fee (for reference): $495.00.\n\n## How to qualify (step-by-step)\n1. Accept your invitation during the promo window (between 2025-11-01 and 2026-01-31).\n2. From the date your account opens (or the date specified in your invitation), complete eligible purchases totaling $50,000 within 1 month(s).\n3. Keep your account in good standing through qualification and posting of benefits.\n\n## Posting timeline\n- Fee waiver: The $495.00 is waived on the statement following verification that you met $50,000 within 1 month(s).\n- Statement credit: The $5,000 posts after qualification review; allow one billing cycle for processing.\n\n## Tracking progress\n- Monitor your cumulative eligible spend frequently to ensure you stay on pace to meet $50,000 within the allotted timeframe.\n- Retain documentation for any large purchases; returns will reduce qualifying spend.\n\n## Important notes\n- Only eligible purchases count toward $50,000.\n- If you do not meet the requirement within 1 month(s), the standard $495.00 applies and no $5,000 is issued."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_001.json

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+{
+  "id": "doc_credit_cards_ecocard_001",
+  "title": "EcoCard: Apply for a Sustainable Rewards Credit Card",
+  "content": "## Eligibility and Requirements\n- Minimum credit score required to apply: 0 (0 indicates no credit score requirement).\n- You must provide standard identity and income information during the application.\n\n## How to Apply\n1. Complete the online application with your personal and financial details.\n2. Review the pricing and terms, including fees and interest rates listed below.\n3. Submit the application and, if approved, activate your card upon receipt to begin using it.\n\n## Credit Limits Upon Approval\n- Initial credit lines are determined at approval and typically range from $5,000 to $50,000.\n- Credit line increases may be reviewed over time based on account history and usage.\n\n## Rates and Fees You Agree To\n- Purchase APR on carried balances: 19.99%.\n- Annual fee: $50.00.\n- Foreign transaction fee (international purchases): 1.0%.\n- Late payment fee (if you miss the due date): $32.50.\n\n## New-Customer Bonus at Sign-Up\n- Spend $5,000 in eligible purchases within your first month to earn $2,000 sustainability points.\n- Bonus points are awarded once the threshold is met and the qualifying period closes.\n\n## After You Apply\n- You will receive a decision or a request for additional documentation.\n- If approved, set up your online account and add your card to a digital wallet to start using it immediately after activation."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_002.json

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+{
+  "id": "doc_credit_cards_ecocard_002",
+  "title": "EcoCard: How to Earn Sustainability Points on Green Purchases",
+  "content": "## Earning Rates\n- Green purchases: Earn $5.00 sustainability points per dollar spent at qualifying green merchants and categories.\n- Other purchases: Earn $1.00 sustainability points per dollar.\n\n## How to Maximize Green Earnings\n- Use your card at certified green partners and eco-friendly categories (e.g., public transit, EV charging, renewable energy subscriptions) to receive the higher earn rate.\n- When shopping online, check that the merchant is listed as a qualifying green merchant before checkout.\n\n## Examples\n- A $100 purchase at a qualifying green merchant earns 100 × $5.00 points.\n- A $100 purchase at a non-green merchant earns 100 × $1.00 points.\n\n## Tips to Ensure You Earn Correctly\n- Keep transactions separate: If a cart mixes green and non-green items at a non-partner merchant, the entire purchase may earn at the non-green rate.\n- Save receipts for any purchases you believe should qualify as green; this helps in resolving any earn-rate disputes.\n- If a transaction is returned or refunded, the corresponding points will be reversed at the original earn rate."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_003.json

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+{
+  "id": "doc_credit_cards_ecocard_003",
+  "title": "EcoCard: Which Merchants and Purchases Qualify as Green?",
+  "content": "## What Qualifies as Green\n- You earn $5.00 points per dollar on purchases that meet our green criteria, which generally include:\n  - Public transportation passes and fares\n  - Electric vehicle charging\n  - Renewable energy subscriptions and providers\n  - Certified sustainable retailers and eco-labeled products\n  - Local bike share and micromobility services\n\n## Partner Network\n- We maintain a network of approximately 3 certified green merchant partners.\n- Purchases at these partners are recognized automatically as green.\n\n## Verifying Merchant Eligibility\n- Look for a green badge in our merchant directory before you pay.\n- On receipts and statements, eligible transactions may display a green indicator.\n- If you believe a purchase should qualify, contact support with your receipt and merchant details for review.\n\n## Common Edge Cases\n- Marketplaces and delivery platforms may process payments through non-green parent entities; in those cases, the purchase may not qualify.\n- Mixed carts at non-partner merchants may not qualify if the merchant cannot provide item-level green data.\n- Gift cards and cash equivalents typically do not qualify as green purchases."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_004.json

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+{
+  "id": "doc_credit_cards_ecocard_004",
+  "title": "EcoCard: Exceptions and Exclusions",
+  "content": "## What is excluded from the higher sustainability points rate on EcoCard\n\nThe following specific merchants do NOT earn the higher sustainability points rate ($5.00 points per dollar) and instead earn the standard rate ($1.00 point per dollar):\n\n### General Retailers (even for eco-friendly product purchases)\n- Target\n- Walmart\n- Amazon\n\n### Thrift and Resale Markets\n- ThredUp\n\n### Note on EV Charging\nEV charging only qualifies for green rewards when using one of our 3 certified partner charging networks: Tesla Supercharger, ChargePoint, or EVgo. Charging at any other network does not qualify.\n\n## Clarifications and tips\n- EcoCard purchases at the retailers listed above earn the standard rate of $1.00 point per dollar, not the higher $5.00 points per dollar.\n- The exclusion applies to all purchase channels with those merchants (in-store, online, app, pickup, and delivery).\n- Buying eco-labeled or “sustainable” items from the excluded general retailers still earns the standard rate.\n- For Amazon marketplace orders, transactions processed by Amazon are treated as Amazon purchases and are excluded from the higher rate.\n- For EV charging, confirm the charging network on your receipt or session summary. Only sessions on Tesla Supercharger, ChargePoint, or EVgo qualify for the higher rate; all other networks do not qualify.\n\n## Examples\n- A $100 purchase at Target earns 100 × $1.00 points (not the $5.00 rate).\n- An eco-friendly household item bought from Amazon earns the standard $1.00 point per dollar.\n- An EV charging session on a network other than Tesla Supercharger, ChargePoint, or EVgo will not earn the higher $5.00 points per dollar."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_005.json

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+{
+  "id": "doc_credit_cards_ecocard_005",
+  "title": "EcoCard: Redeeming Sustainability Points for Rewards",
+  "content": "## When You Can Redeem\n- You need at least $3,000 points available to initiate a redemption.\n\n## How Value Is Calculated\n- Redemptions are valued at $0.01 per point.\n- Example conversions:\n  - Redeeming 5,000 points yields 5,000 × $0.01 in value.\n  - Redeeming 20,000 points yields 20,000 × $0.01 in value.\n\n## Redemption Steps\n1. Go to Rewards in your account and select Redeem.\n2. Choose your redemption amount (at or above the minimum).\n3. Review the calculated value and confirm.\n4. Your redemption will process and appear on your account once completed.\n\n## Tips for a Smooth Redemption\n- Ensure you have enough posted (not pending) points.\n- If you recently returned a purchase, wait for any point reversals to settle before redeeming.\n- Split redemptions are allowed as long as each request meets the minimum."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_006.json

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+{
+  "id": "doc_credit_cards_ecocard_006",
+  "title": "EcoCard: Tracking Your Environmental Impact",
+  "content": "## Availability\n- Environmental impact tracking is available: Yes.\n\n## Reporting Frequency\n- Carbon footprint reports are generated monthly.\n\n## What You’ll See\n- Estimated emissions associated with your card spend, broken down by category.\n- Trends over time, including month-over-month or quarter-over-quarter changes.\n- Highlights of green spending that helped reduce your overall impact.\n\n## How to Access Your Reports\n1. Navigate to the Environmental Impact section in your account dashboard.\n2. Select the desired period (aligned to the monthly reporting cadence).\n3. Download or share a summary for your records if needed.\n\n## Best Practices\n- Categorize transactions promptly to improve the accuracy of your footprint estimate.\n- Review notable outliers and reclassify transactions if they were miscategorized.\n- Use the insights to shift more spend to greener categories over time."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_007.json

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+{
+  "id": "doc_credit_cards_ecocard_007",
+  "title": "EcoCard: Partner Merchants and Eco-Friendly Shopping Guide",
+  "content": "## Finding Partner Merchants\n- Shop confidently with our network of approximately 3 certified green merchant partners.\n\n## How to Locate Partners\n- Use the in-app merchant directory and filter for certified green partners.\n- Look for the green badge on merchant profiles and at checkout pages.\n\n## Shopping Tips\n- Plan recurring eco-friendly expenses (e.g., transit passes, EV charging) with partner merchants to simplify tracking.\n- When buying online, confirm the seller of record is the certified partner (not a third-party marketplace) to ensure recognition.\n- Keep receipts for any purchases you believe should be recognized as eco-friendly if you need to request a review.\n\n## Staying Up to Date\n- Partner lists can evolve; check the directory before large purchases.\n- If your favorite eco merchant isn’t listed, suggest it through the feedback option in the directory."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_008.json

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+{
+  "id": "doc_credit_cards_ecocard_008",
+  "title": "EcoCard: Making Payments and Managing Your Account",
+  "content": "## Minimum Payment and Due Date\n- Your minimum monthly payment is 1.0% of your outstanding balance (plus any past due amounts and fees as applicable).\n- Pay by the due date to avoid a late payment fee of $32.50.\n\n## Interest and Fees to Monitor\n- Standard APR on carried balances: 19.99%.\n- Annual fee: $50.00.\n- Foreign transaction fee on international purchases: 1.0%.\n\n## Credit Limits\n- Your credit line is set at approval and typically falls between $5,000 and $50,000.\n\n## Set Up and Manage Payments\n1. Add a funding account for payments.\n2. Enroll in autopay to pay the statement balance, minimum due, or a fixed amount each month.\n3. Schedule one-time payments for additional flexibility.\n4. Confirm payment posting to ensure your balance and available credit update.\n\n## Avoiding Fees and Interest\n- Enable payment reminders a few days before the due date.\n- Consider paying more than the minimum to reduce interest accrual at 19.99%.\n\n## Virtual Card Management\n- Virtual card management features are available: Yes.\n- Create, lock, or delete virtual card numbers to control subscriptions and online purchases.\n\n## Account Hygiene\n- Review statements monthly for accuracy.\n- Update contact details to receive timely alerts and confirmations."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_009.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_ecocard_009",
+  "title": "EcoCard: New Customer Promo - Earn Bonus Sustainability Points",
+  "content": "## Offer Window\n- This promotion runs from 2025-08-01 through 2025-12-15.\n\n## How to Qualify\n- Spend at least $5,000 in eligible purchases within your first 1 month of account opening.\n- You must be a new customer and the account must be open and in good standing when the bonus is awarded.\n\n## Bonus Amount\n- Earn $2,000 sustainability points once you meet the spending threshold within the qualifying period.\n\n## Posting Timeline\n- Bonus points typically post after the qualifying period closes and your transactions have cleared.\n\n## Exclusions and Tips\n- Returns, chargebacks, and disputed transactions reduce your qualifying spend.\n- Balance transfers, cash equivalents, and fees do not count toward the threshold.\n- Track your progress in the Rewards section to ensure you meet the $5,000 requirement on time."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_010.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_ecocard_010",
+  "title": "EcoCard: New Customer Promo - 0% APR for the First Year",
+  "content": "## Promo Period\n- Accounts opened during 2024-10-01 through 2025-03-31 are eligible.\n\n## Promotional APR\n- Enjoy a promotional APR of 0% on carried balances for the first 12 billing cycles from account opening.\n\n## After the Promo Ends\n- At the end of the 12-month promotional period, any remaining balance and new carried balances accrue interest at your standard rate of 19.99%.\n\n## How to Make the Most of the Offer\n- Set reminders for when your 12th billing cycle approaches so you can plan payoff strategies before the rate reverts to 19.99%.\n- Consider larger early payments to reduce your balance during the 0% period.\n\n## Important Notes\n- You must keep your account open and in good standing to maintain eligibility for the promotional rate.\n- The promotional rate applies from the date of account opening and lasts for 12 billing cycles."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_ecocard_011.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_ecocard_011",
+  "title": "EcoCard: Referral Program - Earn Rewards for Referring Friends",
+  "content": "## What You Earn\n- Receive 50 for each successful referral\n- You can earn up to 7 referral bonuses per calendar year\n\n## What Your Referral Must Do\n- The referred person must be approved and spend at least $500 within 60 days of account opening\n\n## How to Refer\n1. Share your referral link or code with friends and family\n2. Ensure they apply using your link or code so the referral is tracked\n3. You'll be notified when the referral meets the qualifying spend requirement\n\n## Payout Timing\n- Your bonus typically posts within one to two billing cycles after the referred account meets the $500 requirement\n\n## Program Tips\n- Remind your referral to activate their card promptly and add recurring bills to help them meet $500 within 60 days\n- Track your annual count to stay within the 7 limit"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_gold_rewards_card_001.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_gold_rewards_card_001",
+  "title": "Gold Rewards Card: Apply for a Premium Credit Card",
+  "content": "## Eligibility and Key Terms\n- Minimum credit score required: $720\n- Rho‑Bank+ premium subscription required: Yes\n- Annual fee: $0.00\n- Cash back on all purchases: 2.5%\n- APR on carried balances: 17.99%\n- Foreign transaction fee: 0%\n- Late payment fee: $32.50\n- Minimum rewards needed to redeem: $15\n- Purchase protection: $105 days from purchase, up to $7,500 per covered claim\n- Virtual card management available: Yes\n\n## Credit Limits\nApproved credit limits typically range from $17,500 to $112,500. Your initial limit is determined during underwriting based on your credit profile and supplied financial information.\n\n## How to Apply\n1. Confirm you have an active Rho‑Bank+ subscription (required: Yes).\n2. Prepare documentation typically requested during credit evaluation (e.g., government ID, income details, and address verification).\n3. Complete the application in your Rho‑Bank dashboard and consent to a credit pull (minimum score: $720).\n4. Review key terms before submission:\n   - APR range on carried balances: 17.99%\n   - Annual fee: $0.00\n   - Late payment fee: $32.50\n   - Rewards redemption minimum: $15\n   - Purchase protection period and cap: $105 days; $7,500 per claim\n   - Foreign transaction fee: 0%\n5. Submit and monitor your application status. If additional information is needed, you will receive a prompt to upload or confirm details.\n6. Upon approval, your initial limit will be set within $17,500–$112,500.\n\n## After Approval\n- If enabled on your account, you can create and manage virtual cards immediately: Yes.\n- Purchases made after activation begin earning cash back at 2.5% and are covered by purchase protection for $105 days up to $7,500 per claim."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_gold_rewards_card_002.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_gold_rewards_card_002",
+  "title": "Gold Rewards Card: Concierge Support Services - What's Included",
+  "content": "## Availability and Response\n- 24/7 access to the concierge team: Yes\n- Maximum response time for new requests: within 2 hours\n\n## What You Can Ask the Concierge To Handle\n- Travel assistance: itinerary planning, flight and hotel research, last‑minute booking coordination\n- Dining and entertainment: reservations, wait‑list monitoring, event ticket research\n- Personal logistics: gift sourcing, courier coordination, appointment scheduling\n- Trip disruption support: rebooking guidance and vendor coordination when plans change\n- Research and recommendations: vetted shortlists tailored to your preferences\n\n## How Requests Are Managed\n- Your concierge will confirm the request scope, timing, and any budget constraints.\n- You will receive curated options with pricing and availability details.\n- Once you approve an option, the concierge proceeds with booking or introductions as appropriate.\n\n## Costs and Authorizations\n- The concierge service itself is included; third‑party costs (e.g., tickets, bookings, deliveries) are your responsibility.\n- The team will not finalize any purchase without your explicit approval and payment authorization.\n\n## Practical Limits\n- Availability of reservations, tickets, and vendor services cannot be guaranteed and may vary by region and season.\n- Response times may be impacted by vendor hours, but initial acknowledgment will occur within 2 hours."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_gold_rewards_card_003.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_gold_rewards_card_003",
+  "title": "Gold Rewards Card: How to Contact Your Dedicated Concierge",
+  "content": "## Contact Channels\n- In‑app chat: Start a new Concierge thread from your card dashboard for the fastest routing.\n- Email: Send your request details and any deadlines; you will receive confirmation and a case reference.\n- Phone: Call the concierge line for time‑sensitive needs; follow the prompts to reach a live specialist.\n\n## What to Include in Your Request\n- Desired outcome (e.g., reservation for two, budget range, preferred dates/times)\n- Location or venue preferences and any alternatives\n- Deadlines or decision points (e.g., must book by a specific time)\n- Approval parameters (e.g., maximum price, cancellation terms you’ll accept)\n\n## Availability and Acknowledgment\n- The concierge team is available around the clock: Yes\n- You will receive an initial acknowledgment within 2 hours, followed by curated options or clarifying questions.\n\n## Escalations and Updates\n- Reply in the same chat or email thread to keep context intact.\n- If your timeline changes, note the new deadline so the team can reprioritize.\n- For urgent updates, call to flag the request after sending a brief summary in writing."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_gold_rewards_card_004.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_gold_rewards_card_004",
+  "title": "Gold Rewards Card: No Foreign Transaction Fees - International Purchases Made Easy",
+  "content": "## Your Fee on International Purchases\n- Foreign transaction fee charged by Rho‑Bank on this card: 0%\n\n## What Counts as an International Purchase\n- In‑person transactions at merchants outside your home country\n- Online purchases processed by a merchant whose acquiring bank or payment gateway is located abroad\n- Subscriptions billed by international entities, even if priced in your home currency\n\n## Currency Conversion Considerations\n- Some merchants may offer dynamic currency conversion at checkout. Choosing local currency can yield better rates, but you should compare the total before confirming.\n- Network exchange rates and any merchant‑applied conversion charges are separate from Rho‑Bank’s foreign transaction fee of 0%.\n\n## Tips for Smooth International Use\n- Enable travel notifications if your risk controls require it.\n- Keep a backup payment method for locations with connectivity or network constraints.\n- Retain receipts for any disputed charges and contact support promptly with details."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_gold_rewards_card_005.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_gold_rewards_card_005",
+  "title": "Gold Rewards Card: Managing Your Account and Payment Options",
+  "content": "## Making Payments\n- Minimum payment due each cycle: 2.0% of your outstanding balance (or your full balance if lower than that threshold), plus any past‑due amounts.\n- Payment methods: set up autopay, schedule one‑time ACH payments, or submit manual payments on or before the due date.\n- Late payments may incur a fee of $32.50. Paying at least the minimum by the due date helps you avoid this charge.\n\n## Rates and Fees in Your Account\n- APR on carried balances: 17.99%\n- Annual fee: $0.00\n\n## Rewards Management\n- Earn 2.5% cash back on all purchases.\n- You can redeem once your available rewards meet the minimum of $15.\n\n## Purchase Protection\n- Eligible items are covered for $105 days from the transaction date.\n- Maximum coverage per protection claim: $7,500. Retain your receipts and relevant documentation to expedite claims.\n\n## Credit Limits\n- Your available credit is set during approval and may be adjusted upon review.\n- Typical range for approved limits: $17,500 to $112,500.\n- To request a credit limit increase, ensure recent on‑time payments and provide updated income information for review.\n\n## Managing Due Dates and Autopay\n- You can change your payment due date to better align with cash flow, subject to eligibility.\n- Autopay options include minimum due, statement balance, or a fixed custom amount. Verify your bank account details before the first scheduled draft.\n\n## Keeping Your Account in Good Standing\n- Pay at least 2.0% by the due date to avoid late fees and help protect your account status.\n- Monitor your statements for accuracy and redeem rewards once you reach $15."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_001.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_001",
+  "title": "Platinum Rewards Card: Getting Started with Your Platinum Account",
+  "content": "## Activate and Set Up\n- Activate your card as soon as it arrives, then add it to your digital wallet for immediate use.\n- Set up account alerts for transactions, payments, and unusual activity.\n\n## Understand Your Rates and Limits\n- Your purchase APR is 16.99% (variable). Review it in your account details before your first transaction.\n- Typical approved credit limits range from $25,000 to $150,000. Your exact limit appears in your approval details.\n\n## Payments and Autopay\n- Choose an autopay option (minimum due, statement balance, or custom amount) to avoid interest and fees.\n- The minimum monthly payment is 2.5% of your outstanding balance.\n- A late payment triggers a fee of $32.50. Set due-date reminders to stay on track.\n\n## Fees to Know on Day One\n- Annual fee: $200.00.\n- Foreign transaction fee: 0% on international purchases.\n\n## Virtual Cards\n- Free virtual cards are included: Yes. Use them to protect your primary card number for online purchases.\n- Virtual card management is available in your account: Yes. Create, pause, or delete virtual card numbers as needed.\n\n## First Purchases Checklist\n- Confirm your billing address and contact details are current.\n- Enroll in alerts and autopay.\n- Add your card to frequently used merchants and services.\n- Use virtual cards for new online merchants to reduce exposure.\n\n## If You Are Still Applying\n- Minimum credit score required: $750."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_002.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_002",
+  "title": "Platinum Rewards Card: Earning 4% Cash Back",
+  "content": "## How You Earn\n- You earn 10.0% cash back on all eligible purchases.\n- Returns or credits reduce previously earned rewards on a per-transaction basis.\n\n## Eligible and Ineligible Transactions\n- Eligible: point-of-sale and online purchases posted to your account.\n- Not eligible: cash advances, balance transfers, fees, interest, and other cash-equivalent transactions.\n\n## Posting Timeline\n- Rewards accrue when transactions post to your account and typically become available after the purchase posts and clears any return window.\n\n## Redeeming Your Rewards\n- You can redeem once your available rewards balance reaches at least $15.\n- Common redemption options include statement credits or other available channels in your account dashboard.\n\n## Tips to Maximize Earnings\n- Use the card for everyday spend to capture 10.0% on all categories.\n- Set the card as your default payment at frequently used merchants.\n- Consider your net rewards after the $200.00 annual fee when planning large purchases."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_003.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_003",
+  "title": "Platinum Rewards Card: Enhanced Fraud Protection Features Explained",
+  "content": "## What Is Included\n- Enhanced fraud protection status: Yes.\n- Real-time monitoring flags unusual transactions and prompts verification when needed.\n- Quick fraud-alert handling with a target response within 17 minutes.\n\n## Purchase Protection Window\n- Items you buy are protected for $135 days from the purchase date, subject to coverage terms and exclusions. Keep receipts and order confirmations for claims.\n\n## How Alerts and Verification Work\n- When a transaction appears risky, you may receive an alert asking you to confirm or deny the charge.\n- If you deny it, the transaction is declined and your card can be immediately secured while we investigate.\n\n## Card Controls\n- Temporarily lock your card if it is misplaced and unlock when found.\n- Replace your card number quickly if compromise is suspected.\n\n## Best Practices\n- Enable transaction and international use alerts.\n- Keep your contact details current so you receive time-sensitive prompts within the 17-minute response window."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_004.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_004",
+  "title": "Platinum Rewards Card: What to Do If You Suspect Fraudulent Activity",
+  "content": "## Take Immediate Action\n1. Lock your card in the app to block new charges.\n2. Review recent transactions and note anything unfamiliar.\n3. Report the suspected fraud through the app or support channels. Enhanced protection is active: Yes.\n\n## What Happens Next\n- We aim to review fraud alerts promptly, with responses targeted within 17 minutes.\n- If unauthorized activity is confirmed, we will replace your card number and assist with disputes for impacted transactions.\n\n## Prepare Helpful Details\n- Identify the date, amount, and merchant of any suspicious charges.\n- Indicate whether your card was in your possession at the time.\n- Provide any travel plans or unusual purchase patterns that may be relevant.\n\n## Aftercare\n- Monitor your account closely for additional alerts.\n- Update any merchants or subscriptions with your new card details if your number is changed.\n- Re-enable your card only when you are confident it is secure."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_005.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_005",
+  "title": "Platinum Rewards Card: Free Virtual Cards - How to Create and Manage",
+  "content": "## Availability\n- Free virtual cards are included with your account: Yes.\n- You can keep up to 30 active virtual cards at the same time.\n\n## Create a Virtual Card\n1. Open the virtual cards section in your account.\n2. Select Create new virtual card.\n3. Set optional controls such as nickname, spending limit, and merchant lock.\n4. Save and copy the virtual card number, expiry, and security code for use at checkout.\n\n## Manage Existing Virtual Cards\n- Pause or unpause to temporarily stop transactions without deleting the card.\n- Edit nickname and limits to match the merchant or subscription.\n- Delete and replace cards when a merchant is no longer needed or if you suspect compromise.\n\n## Best Practices\n- Use a distinct virtual card per merchant or subscription for easier tracking and quick cancellation.\n- Set conservative limits for new or unfamiliar merchants.\n- Rotate or delete virtual cards used for one-time purchases."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_006.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_006",
+  "title": "Platinum Rewards Card: Using Virtual Cards for Online Shopping and Subscriptions",
+  "content": "## When to Use Virtual Cards\n- Online checkouts with unfamiliar merchants to reduce exposure of your primary card number.\n- Recurring subscriptions so you can pause or delete a specific merchant without affecting other services.\n- One-time purchases where you prefer a card number you can retire after use.\n\n## Capacity and Access\n- Virtual cards are included with your membership: Yes.\n- Maintain up to 30 active virtual cards at once to organize spend by merchant or purpose.\n\n## Practical Tips\n- Assign clear nicknames to match the website or app where the card is used.\n- Set per-card limits aligned to expected monthly subscription amounts.\n- If a merchant is compromised, delete that virtual card and create a new one without replacing your physical card.\n\n## Cost\n- There is no additional fee for using virtual cards beyond the standard annual fee of $200.00."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_007.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_007",
+  "title": "Platinum Rewards Card: Maximizing Your Premium Benefits and Rewards",
+  "content": "## Everyday Earning\n- Use the card for daily purchases to earn 10.0% on all categories without rotating caps.\n\n## International Spending\n- Take advantage of 0% foreign transaction fees when traveling or purchasing from foreign merchants.\n\n## Annual Fee Rebate Strategy\n- Earn a $150.00 rebate on your annual fee by meeting a monthly spend threshold of $7500.00.\n- Automate large, predictable expenses on the card to help consistently meet the threshold.\n\n## Smart Redemption\n- Redeem rewards once your balance reaches at least $15 to keep value working for you.\n\n## Purchase Protection Use\n- For eligible items, keep receipts and documentation to leverage purchase protection for up to $135 days after purchase.\n- The maximum coverage per claim is $17,500, subject to policy terms and exclusions.\n\n## Putting It Together\n- Channel recurring bills, travel, and major purchases through the card to earn at the flat rate, avoid foreign fees, and meet the monthly threshold for the annual fee rebate."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_008.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_008",
+  "title": "Platinum Rewards Card: Referral Program - Earn Rewards for Referring Friends",
+  "content": "## How It Works\n- Share your referral through your account to invite friends to apply.\n- For each friend who is approved and meets the qualifying spend, you earn a referral bonus of $100.\n\n## Qualifying Spend Requirement\n- The referred friend must spend at least $1,500 within 90 days of account opening to qualify you for the bonus.\n\n## Annual Limits\n- You can earn up to 7 referral bonuses per calendar year.\n\n## Steps to Refer\n1. Open the referrals section in your account.\n2. Send your referral using the available sharing options.\n3. Track the status of pending referrals in your dashboard.\n\n## Payout Timing and Eligibility\n- Bonuses are typically credited after the referred applicant is approved and meets the $1,500 spend requirement within 90 days.\n- Self-referrals or duplicate applications do not qualify.\n\n## Tips\n- Share with friends who are likely to benefit from the card's features.\n- Remind your referral to meet the $1,500 spend threshold within 90 days.\n- Ensure your account is in good standing to receive bonuses promptly."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_009.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_009",
+  "title": "Platinum Rewards Card: New Customer Promo - First Year Annual Fee Waived",
+  "content": "## Offer Summary\n- Apply during the promo window and, if approved, your first year annual fee is $0.00 instead of $200.00.\n\n## Promo Window\n- Start date: 2024-06-01\n- End date: 2024-12-31\n\n## How to Qualify\n- Submit your application within the promo window and be approved.\n- The waiver applies to the first 12 months from account opening; after the first anniversary, the standard $200.00 annual fee applies.\n\n## What to Expect on Statements\n- Your first statement should show no annual fee charge for the first year.\n- If you see an annual fee during the promo period in error, contact support for correction.\n\n## Important Notes\n- The waiver cannot be retroactively applied to accounts opened outside the promo window.\n- Closing and reopening an account does not guarantee eligibility; new approval during the promo window is required."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_platinum_rewards_card_010.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_platinum_rewards_card_010",
+  "title": "Platinum Rewards Card: Rebate Eligibility and Calcluation",
+  "content": "## Eligibility for the Annual Fee Rebate\n\n- The Platinum Rewards Card annual fee rebate is earned only if you meet the required monthly spending threshold in every month of your cardmember year.\n- A single month below the threshold disqualifies you from receiving the rebate for that entire cardmember year; there is no partial or prorated rebate.\n- If your first cardmember year’s annual fee is waived under a promotional offer, the rebate does not apply to that year. Eligibility begins with the next cardmember year in which the annual fee is billed.\n\n## How the Monthly Calculation Window Works\n\n- Start date: Your first monthly window begins on your account opening date.\n- Refresh cadence: Each new monthly window begins on the same calendar day each month (the monthly anniversary of your account opening) and ends the day before the next monthly anniversary.\n- Cardmember year: Your rebate evaluation covers 12 consecutive monthly windows, starting from your account opening date (or from the start of the first fee-billed cardmember year after any promotional waiver).\n- Posting date rule: Only transactions that post within a given monthly window count toward that month’s threshold. Authorization dates do not control eligibility.\n\n### Example timeline (no amounts)\n- Account opened on the 15th:\n  - Month 1 window: 15th to the 14th (inclusive by posting date)\n  - Month 2 window: 15th to the 14th\n  - …\n  - Month 12 window: 15th to the 14th\n- You must meet the monthly threshold in all 12 windows to earn the rebate for that cardmember year.\n\n## What Counts Toward the Monthly Threshold\n\nIncluded\n- Net purchases posted to your Platinum Rewards Card, including purchases made by authorized users.\n- Purchases made using virtual card numbers associated with your account (counted the same as your physical card).\n- International purchases, provided they post as purchases.\n\nExcluded\n- Fees, interest charges, and adjustments.\n- Cash advances and cash-equivalent transactions (for example, money orders, traveler’s checks, and similar cash-like activity).\n- Balance transfers.\n- Person-to-person money transfers and funding transactions that are coded as cash equivalents.\n- Disputed transactions while unresolved.\n\nAdjustments\n- Returns, refunds, or credits reduce the monthly total in the window in which the credit posts. A return that posts in a later month can cause you to miss the threshold for that later month.\n- Merchant delays can affect posting dates; only posted transactions inside the window count.\n\n## Evaluation and Rebate Posting\n\n- Eligibility is assessed after the close of your 12th monthly window in the cardmember year.\n- If you qualified, the rebate is applied as a statement credit to your Platinum Rewards Card account after the annual fee for that cardmember year is billed.\n- If the account is closed or product-changed before the year-end evaluation or rebate posting, the rebate will not be awarded.\n\n## Practical Tips\n\n- Track posted transactions by your monthly anniversary dates, not by statement cycle or calendar month.\n- Leave a buffer above the monthly threshold to account for late postings or potential returns.\n- Confirm that authorized user and virtual card purchases have posted before the monthly window closes."
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_001.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_silver_rewards_card_001",
+  "title": "Silver Rewards Card: Getting Started and Eligibility Requirements",
+  "content": "## Eligibility Requirements\n- Minimum credit score: $680\n- Annual fee: $0.00\n- Standard APR for carried balances after any promotional period: 18.99%\n- Introductory APR for new customers (first year): 0%\n\n### International Usage\n- Foreign transaction fee without a premium subscription: 2.75%\n- Foreign transaction fee with a premium subscription: 0%\n\n## Credit Limits\n- Initial credit limits typically range from $10,000 to $100,000, subject to approval\n\n## Included Protections (At a Glance)\n- Purchase protection: eligible items are protected for 90 days after purchase, up to $3,000 per claim\n\n## Rewards Basics When You Get Started\n- Purchases outside top categories earn 1.0% back\n\n## Virtual Card Availability\n- Virtual card management features are No for this card\n\n## How to Apply\n1. Complete the online application with your personal information and income details\n2. Consent to a credit check and submit any requested documentation\n3. Review your preliminary credit limit offer and terms\n4. Accept the terms to finalize your account setup\n\n## After Approval\n- Activate your physical card upon arrival and add it to your preferred digital wallets\n- Set up account alerts and autopay to avoid missed payments\n- Review your benefits summary, including purchase protection and international fee terms noted above"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_002.json

@@ -0,0 +1,5 @@
+{
+  "id": "doc_credit_cards_silver_rewards_card_002",
+  "title": "Silver Rewards Card: How to Earn 4% Cash Back on Travel and Software Purchases",
+  "content": "## Earning at the Enhanced Rate\n- Pay with your card for eligible travel and software transactions to earn 4.0% back\n\n## Steps to Ensure You Earn Properly\n1. Use your card directly with the merchant; third-party wallets and processors may alter merchant classification\n2. Check that the merchant is categorized in a travel or software/SaaS merchant category; rewards are based on the merchant’s submitted category\n3. Allow transactions to post; rewards are calculated after posting, not at authorization\n4. Keep receipts and invoices; if a purchase is misclassified, you may be asked to provide documentation during a rewards review\n\n## Transactions That Typically Do Not Qualify\n- Gift cards, person-to-person payments, fees, interest, and insurance premiums charged by the bank\n- Returned or refunded purchases (rewards are reversed when credits post)\n\n## Visibility of Rewards\n- You will see pending earnings soon after posting; final amounts may adjust if the merchant updates the transaction or issues a credit"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_003.json

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+{
+  "id": "doc_credit_cards_silver_rewards_card_003",
+  "title": "Silver Rewards Card: Which Travel Purchases Qualify for 4% Cash Back?",
+  "content": "## Travel Purchases That Typically Qualify\nYou earn 4.0% back when the transaction is categorized as travel. Examples include:\n- Airlines and airfare booked directly with carriers\n- Hotels, resorts, and motels\n- Car rentals and car-sharing agencies\n- Passenger rail (intercity trains), ferries, and long-distance bus operators\n- Online travel agencies and tour operators when they are the merchant of record\n- Rideshare and taxis when processed under a travel category\n\n## Situations That May Not Qualify\n- In-flight or onboard purchases coded as retail or food rather than travel\n- Vacation rentals or home-sharing platforms coded under real estate or “miscellaneous” categories\n- Parking garages, tolls, or local transit if the merchant is not classified as travel\n- Purchases made through third-party payment processors that mask the travel category\n\n## Tips to Ensure Eligibility\n- Book directly with travel providers or well-known travel agencies that act as merchant of record\n- Review your statement after posting; if an eligible trip did not earn at the travel rate, contact support with receipts for a category review"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_004.json

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+{
+  "id": "doc_credit_cards_silver_rewards_card_004",
+  "title": "Silver Rewards Card: Software and SaaS Spending - Qualifying Categories",
+  "content": "## What Counts as Software/SaaS\nTransactions must be categorized by the merchant as software or SaaS to earn 4.0% back. Examples include:\n- Subscription-based productivity suites, collaboration tools, and project management platforms\n- Cloud services, developer tools, version control, CI/CD platforms, and code hosting\n- Cybersecurity subscriptions, endpoint protection, and identity management\n- Design, analytics, CRM, ERP, and accounting software subscriptions\n\n## Purchases That May Not Qualify\n- Hardware devices, peripherals, or equipment sold by tech retailers\n- Telecommunications, internet service providers, or hosting billed under telecom categories\n- App store gift cards and prepaid stored-value products\n\n## Tips to Ensure Proper Category\n- Purchase directly from the software provider’s billing portal or official sales channel\n- Keep invoices showing the subscription description; if the transaction is miscategorized, you may request a category review\n- Avoid paying through third-party processors that may categorize the charge as generic services"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_005.json

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+{
+  "id": "doc_credit_cards_silver_rewards_card_005",
+  "title": "Silver Rewards Card: Understanding Your Included Travel Insurance Coverage",
+  "content": "## Coverage Overview\n- Per-trip coverage limit: up to $15,000\n- Covered incident types: up to 5 categories (for example, trip cancellation or interruption, delays, lost or delayed baggage, or similar covered events)\n\n## Key Eligibility Conditions\n- Charge the covered travel fare in full to your card for coverage to apply\n- Coverage applies per trip and is subject to policy terms, exclusions, and documentation requirements\n\n## What Is Typically Covered\n- Non-refundable, prepaid travel expenses when a covered event occurs\n- Essential items during eligible baggage delay\n- Reasonable additional costs due to covered delays\n\n## What Is Typically Not Covered\n- Known events or foreseen issues at the time of booking\n- Non-covered reasons for cancellation or changes\n- Losses without required documentation (e.g., carrier delay notices, receipts)\n\n## How Benefits Are Applied\n- Reimbursements are capped per trip at $15,000 and depend on the specific covered incident type among the up to 5 categories\n- Benefits may be secondary to other applicable coverage you hold\n\n## Proof You Should Keep\n- Original itineraries and tickets\n- Receipts for additional expenses\n- Official delay/cancellation notices or property irregularity reports (for baggage issues)"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_006.json

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+{
+  "id": "doc_credit_cards_silver_rewards_card_006",
+  "title": "Silver Rewards Card: How to File a Travel Insurance Claim",
+  "content": "## Before You Start\n- Confirm your trip was charged to your card; this is required for coverage\n- Review your policy documents to verify your incident is one of the up to 5 covered categories\n\n## Step-by-Step Claim Process\n1. Notify the carrier or service provider immediately and obtain written confirmation of the incident (e.g., delay notice)\n2. Collect documentation: itineraries, receipts, proof of payment, and any relevant reports\n3. Submit your claim through the insurer’s designated portal or the channel provided in your policy documents\n4. Upload all supporting evidence and complete required forms\n5. Respond promptly to any requests for additional information\n\n## Claim Amounts and Limits\n- Reimbursement is subject to a per-trip cap of $15,000\n- Individual expense categories may have sub-limits and waiting periods as specified in the policy\n\n## Tips for a Faster Decision\n- Ensure names and dates match across tickets, receipts, and statements\n- Provide carrier confirmations for delays/cancellations and baggage claims for lost/delayed luggage\n- Submit your claim as soon as practical after the incident\n\n## After Submission\n- You will receive confirmation and a claim reference number\n- Approved claims are paid up to $15,000, less any applicable sub-limits or exclusions stated in the policy"
+}

tau2/domains/banking_knowledge/documents/doc_credit_cards_silver_rewards_card_007.json

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+{
+  "id": "doc_credit_cards_silver_rewards_card_007",
+  "title": "Silver Rewards Card: Making Payments and Managing Your Account",
+  "content": "## Monthly Payments\n- Your minimum payment is 1.5% of your statement balance (subject to a minimum dollar amount as shown on your statement)\n- A late payment may incur a fee of $32.50\n\n## Interest on Carried Balances\n- The standard APR for balances you carry is 18.99%\n- There is no annual fee: $0.00\n\n## Credit Limits\n- Approved limits generally fall between $10,000 and $100,000 based on credit profile and underwriting\n\n## International Purchases\n- Foreign transaction fee without a premium subscription: 2.75%\n- Foreign transaction fee with a premium subscription: 0%\n\n## Rewards Redemption\n- You can redeem rewards once you have at least 17 available\n\n## Purchase Protection Reminders\n- Eligible items are protected for 90 days after purchase\n- Maximum coverage per claim: $3,000\n\n## Best Practices\n- Set up autopay to cover at least the minimum due and avoid $32.50\n- Pay your statement in full to avoid interest at 18.99%\n- Monitor utilization relative to your limit (between $10,000 and $100,000) to maintain flexibility\n- When traveling, consider subscription options that affect the foreign transaction fee shown above"
+}