Credit Card Starting Figures
calculate_cc_starting_figuresCalculation, not advice. Verify with a professional before acting. Read a set of credit cards' starting figures without running a payoff simulation: the balances entered by type, the balance-weighted APR at start, and each card's starting minimum payment with their total. Takes the same cards[] and segments[] as calculate_cc_payoff and no other key. Pick this to show those figures while cards are being entered; pick calculate_cc_payoff for a payoff timeline, total interest or a strategy.
Each starting minimum is computed on the balances entered, with one month's interest projected. Per card, the representative formula takes the larger of two amounts on the balance outside installment plans: $25, or that month's interest plus 1% of that balance after the interest. The formula applies only when that balance is above $0. Each plan that still has a balance adds its payment to the card's minimum. The card's minimum is then capped at one total: its balance outside installment plans after that month's interest, plus, for each plan, the smaller of its payment and what it still owes. No annual fee, plan fee, recurring spend or supplied minimum_payment enters it; each such field, when supplied, draws a warning naming its path.
Tool call template
Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.
{
"id": 1,
"jsonrpc": "2.0",
"method": "tools/call",
"params": {
"arguments": {
"cards": "<cards>"
},
"name": "calculate_cc_starting_figures"
}
}Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| cards | Yes | Credit cards to read starting figures for, 1 to 20. Required: omitting the field answers contract_error MISSING_REQUIRED_FIELD, while an explicit JSON null answers parse_error ("cards is required and must be an array."); the two are not the same rejection. Every card may carry segments[]. Max 100 segments total across all cards in the request. Per-card, per-type caps: 1 purchase, 1 cash_advance, 5 balance_transfer, 1 promotional, 10 installment_plan. |