earnrate 0.2.16 → 0.2.18

package/data/merchants/overrides.yaml

@@ -1005,7 +1005,7 @@
   category: other
   online:
     category: online_retail
-  note: A auto parts store, with no bonus category in store. Its website counts as online retail.
+  note: An auto parts store, with no bonus category in store. Its website counts as online retail.
 - id: advance-auto-parts
   name: Advance Auto Parts
   aliases: [advance auto]
@@ -1013,7 +1013,7 @@
   category: other
   online:
     category: online_retail
-  note: A auto parts store, with no bonus category in store. Its website counts as online retail.
+  note: An auto parts store, with no bonus category in store. Its website counts as online retail.
 - id: napa-auto-parts
   name: NAPA Auto Parts
   aliases: [napa auto]
@@ -1021,7 +1021,7 @@
   category: other
   online:
     category: online_retail
-  note: A auto parts store, with no bonus category in store. Its website counts as online retail.
+  note: An auto parts store, with no bonus category in store. Its website counts as online retail.
 - id: discount-tire
   name: Discount Tire
   aliases: [americas tire]

package/dist/cli/args.js

@@ -96,6 +96,7 @@ export function parseCliArgs(argv) {
                 cards: { type: 'string' },
                 member: { type: 'string', multiple: true },
                 enrolled: { type: 'string', multiple: true },
+                'skipped-credits': { type: 'string', multiple: true },
                 opened: { type: 'string', multiple: true },
                 help: { type: 'boolean', short: 'h' },
             },
@@ -147,6 +148,9 @@ export function parseCliArgs(argv) {
     const enrolled = perCard('enrolled', 'amex-platinum=lululemon');
     if (typeof enrolled === 'string')
         return { kind: 'error', message: enrolled };
+    const skipped = perCard('skipped-credits', 'amex-gold=dunkin');
+    if (typeof skipped === 'string')
+        return { kind: 'error', message: skipped };
     const opened = perCard('opened', 'discover-it-cash-back=2026-03-04');
     if (typeof opened === 'string')
         return { kind: 'error', message: opened };
@@ -166,14 +170,16 @@ export function parseCliArgs(argv) {
             llm: values.llm ?? null,
             cards,
             members: values.member ?? [],
-            enrolled: Object.fromEntries(Object.entries(enrolled).map(([id, list]) => [
-                id,
-                list
-                    .split(',')
-                    .map((c) => c.trim())
-                    .filter(Boolean),
-            ])),
+            enrolled: creditLists(enrolled),
+            skipped: creditLists(skipped),
             opened,
         },
     };
 }
+const creditLists = (byCard) => Object.fromEntries(Object.entries(byCard).map(([id, list]) => [
+    id,
+    list
+        .split(',')
+        .map((c) => c.trim())
+        .filter(Boolean),
+]));

package/dist/cli/offers.js

@@ -9,9 +9,11 @@ import { cardList, valuationProblem } from "./args.js";
 import { cardsToUse, RUNTIME_ERROR, savedSettings, USAGE_ERROR, } from "./run.js";
 const OFFERS_HELP = `Usage: ${CLI_NAME} offers [--cash | --points] [--no-fee] [--business] [options]
 
-Ranks the welcome offers on cards you don't have by first-year value: the
-bonus at your point values minus the first year's annual fee and any
-membership the card needs that you don't have.
+Which card to get next: ranks cards you don't have by their first two years
+together. That's what each adds to your cards at typical spending, plus its
+welcome bonus in year one if the minimum spend fits in the window, less each
+year's annual fee and any membership it needs. Each also shows the bonus
+alone. Issuers saved with ${CLI_NAME} skip-issuers are left out.
 
 Options:
   --cash                 Cash back cards only.
@@ -21,6 +23,8 @@ Options:
   --held                 Include cards already in your wallet.
   --cards <ids>          Cards you have, instead of your wallet, comma separated.
   --member <name>        A membership you have, in place of the saved ones.
+  --skip-issuer <id>     Leave out an issuer's cards (chase), in place of the
+                         saved list. Repeat for more.
   --valuation <profile>  flat or points-heavy, instead of your wallet's values.
   --all                  List every offer, not just the top 10.
   --json                 Print the full comparison as JSON.
@@ -39,6 +43,7 @@ export async function runOffers(argv, io) {
                 held: { type: 'boolean' },
                 cards: { type: 'string' },
                 member: { type: 'string', multiple: true },
+                'skip-issuer': { type: 'string', multiple: true },
                 valuation: { type: 'string' },
                 all: { type: 'boolean' },
                 json: { type: 'boolean' },
@@ -75,12 +80,23 @@ export async function runOffers(argv, io) {
         ? await savedSettings(io).then((saved) => ({
             valuations: saved.valuations,
             memberships: values.member ?? saved.memberships,
+            ...(saved.skipped_issuers
+                ? { skipped_issuers: saved.skipped_issuers }
+                : {}),
             cards: [],
         }))
         : found;
+    const skips = values['skip-issuer'];
+    const issuers = new Set(catalog.cards.map((c) => c.issuer));
+    const unknown = (skips ?? []).filter((i) => !issuers.has(i));
+    if (unknown.length > 0) {
+        io.stderr(`No card earnrate knows is from ${unknown.map((i) => `'${i}'`).join(', ')}. Issuers: ${[...issuers].sort().join(', ')}.\n`);
+        return USAGE_ERROR;
+    }
+    const skipped = skips ? { ...loaded, skipped_issuers: skips } : loaded;
     const wallet = values.valuation && isValuationProfile(values.valuation)
-        ? withValuationProfile(loaded, values.valuation)
-        : loaded;
+        ? withValuationProfile(skipped, values.valuation)
+        : skipped;
     const comparison = compareOffers(catalog, wallet, {
         kind: values.cash ? 'cash' : values.points ? 'points' : 'any',
         business: values.business ?? false,

package/dist/cli/run.js

@@ -47,6 +47,7 @@ Save your cards (optional):
   ${CLI_NAME} remove <card-id>                     Remove a card.
   ${CLI_NAME} memberships [names...]               Show or set memberships (amazon-prime, costco).
   ${CLI_NAME} values [UR=1.5 ...]                  Show or set what your points are worth.
+  ${CLI_NAME} skip-issuers [chase ...]             Issuers to leave out of next-card answers.
 
 Other commands:
   ${CLI_NAME} cheatsheet                           The best card for each category this quarter.
@@ -73,6 +74,9 @@ Options:
   --enrolled <card>=<credits>
                          For a named card, statement credits you've enrolled
                          in: --enrolled amex-platinum=lululemon. Repeat per card.
+  --skipped-credits <card>=<credits>
+                         For a named card, statement credits you don't use:
+                         --skipped-credits amex-gold=dunkin. Repeat per card.
   --opened <card>=<date> For a named card, the day it opened (YYYY-MM-DD), for
                          a first-year rate. Repeat per card.
   --member <name>        A membership you have, in place of the saved ones.
@@ -114,6 +118,7 @@ export async function cardsToUse(catalog, file, io, named) {
             cards: named.cards.map((id) => ({
                 id,
                 ...(named.enrolled?.[id] ? { enrolled: named.enrolled[id] } : {}),
+                ...(named.skipped?.[id] ? { skippedCredits: named.skipped[id] } : {}),
                 ...(named.opened?.[id] ? { opened: named.opened[id] } : {}),
             })),
             memberships: named.members.length > 0 ? named.members : saved.memberships,
@@ -122,7 +127,13 @@ export async function cardsToUse(catalog, file, io, named) {
             io.stderr(`${wallet}\n`);
             return null;
         }
-        return { ...wallet, valuations: saved.valuations };
+        return {
+            ...wallet,
+            valuations: saved.valuations,
+            ...(saved.skipped_issuers
+                ? { skipped_issuers: saved.skipped_issuers }
+                : {}),
+        };
     }
     try {
         await access(file);
@@ -146,8 +157,12 @@ export const NO_WALLET_HINT = `These are every card earnrate knows. For the best
 // can't be read, has none.
 export async function savedSettings(io) {
     try {
-        const { valuations, memberships } = await loadWallet(walletPath(io.env));
-        return { valuations, memberships };
+        const { valuations, memberships, skipped_issuers } = await loadWallet(walletPath(io.env));
+        return {
+            valuations,
+            memberships,
+            ...(skipped_issuers ? { skipped_issuers } : {}),
+        };
     }
     catch {
         return { valuations: {}, memberships: [] };

package/dist/cli/wallet.js

@@ -4,6 +4,7 @@ import { FileWalletStore } from "../data/file-store.js";
 import { loadCatalog, loadWallet, walletPath } from "../data/load.js";
 import { isValuationProfile, profileText, VALUATION_PROFILES, } from "../engine/profiles.js";
 import { membershipName } from "../engine/memberships.js";
+import { issuerName } from "../format/card-text.js";
 import { knownMemberships, searchCards } from "../engine/setup.js";
 import { currencyChanges } from "../engine/wallet-change.js";
 import { formatCardInfo, formatNotes } from "../format/cards.js";
@@ -13,18 +14,25 @@ const CARD_OPTIONS = `Options:
   --pick <choice>=<options>  Bonus categories you picked for this period, e.g.
                              --pick five-percent=fast-food,movie-theaters.
                              Repeat for each choice.
-  --anniversary <MM-DD>      Account anniversary, for caps that reset on it.
+  --anniversary <MM-DD>      Account anniversary, for caps that reset on it
+                             and a fee card's renewal check.
   --opened <date>            Optional: the day the account opened (YYYY-MM-DD),
                              for cards with a first-year rate. Without it the
                              card is ranked at its standard rates.
   --activated <rules>        Rules you've activated with the issuer, comma
                              separated. Replaces the current list.
   --enrolled <credits>       Statement credits you've enrolled in with the
-                             issuer, comma separated, e.g. --enrolled lululemon.
-                             Replaces the current list.
+                             issuer, or use if they need no enrolling, comma
+                             separated, e.g. --enrolled lululemon. They count
+                             against the annual fee. Replaces the current list.
   --credit-used <credit>=<dollars>
                              How much of a credit you've received this period,
                              e.g. --credit-used lululemon=40. Repeat for each.
+  --skipped-credits <credits>
+                             Statement credits you don't use, comma separated,
+                             e.g. --skipped-credits dunkin. They're left out of
+                             picks, the to-do list and annual-fee math.
+                             Replaces the current list.
   --cap-spent <cap>=<dollars>
                              Spending toward a cap so far this period, e.g.
                              --cap-spent us-supermarkets=1200. Repeat for each.
@@ -75,6 +83,13 @@ and point values stay.
 
 With no arguments, shows your memberships and the ones earnrate knows. With
 names, replaces the list. --none clears it. No cards need to be saved first.
+`,
+    'skip-issuers': `Usage: ${CLI_NAME} skip-issuers [<issuer>...] [--none]
+
+Issuers you can't or won't get a new card from (for example chase, if
+you're over its 5/24 rule). ${CLI_NAME} offers and the cards that would add
+the most leave them out. With no arguments, shows the list and the issuers
+earnrate knows. With issuers, replaces the list. --none clears it.
 `,
     values: `Usage: ${CLI_NAME} values [<currency>=<cents>...] [--profile <name>]
 
@@ -150,6 +165,7 @@ export async function runWalletCommand(command, argv, io) {
                 opened: { type: 'string' },
                 activated: { type: 'string' },
                 enrolled: { type: 'string' },
+                'skipped-credits': { type: 'string' },
                 'credit-used': { type: 'string', multiple: true },
                 'cap-spent': { type: 'string', multiple: true },
                 'milestone-spent': { type: 'string', multiple: true },
@@ -183,6 +199,7 @@ export async function runWalletCommand(command, argv, io) {
         values.opened !== undefined ||
         values.activated !== undefined ||
         values.enrolled !== undefined ||
+        values['skipped-credits'] !== undefined ||
         values['credit-used'] !== undefined ||
         values['cap-spent'] !== undefined ||
         values['milestone-spent'] !== undefined ||
@@ -194,8 +211,8 @@ export async function runWalletCommand(command, argv, io) {
     if (command !== 'add' && command !== 'update' && cardOptionsGiven) {
         return usage(`${CLI_NAME} ${command} doesn't take card options.`);
     }
-    if (command !== 'memberships' && values.none) {
-        return usage('--none is only for memberships.');
+    if (command !== 'memberships' && command !== 'skip-issuers' && values.none) {
+        return usage('--none is only for memberships and skip-issuers.');
     }
     const catalog = await loadCatalog();
     const file = walletPath(io.env);
@@ -241,6 +258,22 @@ export async function runWalletCommand(command, argv, io) {
             .map(([id, c]) => `${id} ${c === null ? 'back to the default' : `${String(c)}¢`}`)
             .join(', ')}.`, null, io);
     }
+    if (command === 'skip-issuers') {
+        const issuerList = (ids) => ids.map((i) => `${issuerName(catalog, i)} (${i})`).join(', ');
+        if (positionals.length === 0 && !values.none) {
+            const held = await heldWallet(io);
+            const known = [...new Set(catalog.cards.map((c) => c.issuer))].sort();
+            io.stdout(`Left out: ${held?.skipped_issuers?.length ? issuerList(held.skipped_issuers) : 'none'}\nKnown: ${known.join(', ')}\n`);
+            return 0;
+        }
+        if (positionals.length > 0 && values.none) {
+            return usage('Give issuers or --none, not both.');
+        }
+        const list = values.none ? [] : positionals;
+        return report(await store.setSkippedIssuers(list), list.length > 0
+            ? `Next-card answers now leave out ${issuerList(list)} (${where}).`
+            : `Next-card answers include every issuer again (${where}).`, null, io);
+    }
     if (command === 'memberships') {
         if (positionals.length === 0 && !values.none) {
             const held = await heldWallet(io);
@@ -288,12 +321,14 @@ export async function runWalletCommand(command, argv, io) {
         const n = Number(text.replace(/[$,]/g, ''));
         return Number.isFinite(n) ? n : `--${flag} takes dollars, like 1200.`;
     };
-    if (values.enrolled !== undefined) {
-        input.enrolled = values.enrolled
-            .split(',')
-            .map((r) => r.trim())
-            .filter((r) => r !== '');
-    }
+    const idList = (text) => text
+        .split(',')
+        .map((r) => r.trim())
+        .filter((r) => r !== '');
+    if (values.enrolled !== undefined)
+        input.enrolled = idList(values.enrolled);
+    if (values['skipped-credits'] !== undefined)
+        input.skippedCredits = idList(values['skipped-credits']);
     // --credit-used, --cap-spent and --milestone-spent: <id>=<dollars>, repeated.
     const dollarPairs = (flag, example) => {
         const pairs = values[flag];

package/dist/data/change-integrity.js

@@ -0,0 +1,105 @@
+import { isDeepStrictEqual } from 'node:util';
+import { changeHeadline, fieldValue, subjectOf } from "../engine/changes.js";
+import { WelcomeOfferSchema } from "../schema/card.js";
+import { CHANGE_SUBJECTS, } from "../schema/changes.js";
+const isRecord = (v) => typeof v === 'object' && v !== null && !Array.isArray(v);
+// Every key the record gives matches the data; keys it leaves out (a note,
+// a default) don't matter. null means absent.
+export function matches(expected, actual) {
+    if (expected === null)
+        return actual === undefined || actual === null;
+    if (Array.isArray(expected))
+        return (Array.isArray(actual) &&
+            actual.length === expected.length &&
+            expected.every((e, i) => matches(e, actual[i])));
+    if (isRecord(expected))
+        return (isRecord(actual) &&
+            Object.entries(expected).every(([k, v]) => matches(v, actual[k])));
+    return isDeepStrictEqual(expected, actual);
+}
+const subjectKind = (c) => CHANGE_SUBJECTS.find((s) => c[s] !== undefined) ?? 'cards';
+// One path covers another when they're the same or one is inside the other.
+const overlaps = (a, b) => a === undefined ||
+    b === undefined ||
+    a === b ||
+    a.startsWith(`${b}.`) ||
+    b.startsWith(`${a}.`);
+const removes = (later, field) => later.now === null &&
+    (later.field === undefined ||
+        (field !== undefined &&
+            (field === later.field || field.startsWith(`${later.field}.`))));
+export function changeProblems(releases, catalog, changelog, version) {
+    const problems = [];
+    const sections = [...changelog.matchAll(/^## (\S+)$/gm)].map((m) => m[1]);
+    const versions = releases.map((r) => r.version);
+    if (!isDeepStrictEqual(sections, versions))
+        problems.push('data/changes.yaml releases must match data/CHANGELOG.md sections, newest first');
+    if (versions[0] !== version)
+        problems.push(`data/changes.yaml must start with ${version}`);
+    for (let i = 1; i < releases.length; i++)
+        if ((releases[i]?.date ?? '') > (releases[i - 1]?.date ?? ''))
+            problems.push(`${versions[i] ?? ''}: releases must be newest first`);
+    const touches = releases.flatMap((r, at) => r.changes.flatMap((change) => {
+        const kind = subjectKind(change);
+        return (change[kind] ?? []).map((id) => ({ at, kind, id, change }));
+    }));
+    for (const t of touches) {
+        const { change, kind, id, at } = t;
+        const release = releases[at];
+        const where = `${release?.version ?? ''} ${id}${change.field ? ` ${change.field}` : ''}`;
+        if (change.date !== undefined && change.date > (release?.date ?? ''))
+            problems.push(`${where}: date is after its release`);
+        if (change.detected !== undefined &&
+            change.detected > (change.date ?? release?.date ?? ''))
+            problems.push(`${where}: detected after it was released`);
+        const later = touches.filter((o) => o.kind === kind &&
+            o.id === id &&
+            o.change !== change &&
+            o.at <= at &&
+            overlaps(o.change.field, change.field));
+        const removedLater = later.some((o) => o.at < at && removes(o.change, change.field));
+        const subject = subjectOf(catalog, kind, id);
+        const value = fieldValue(subject, change.field);
+        const removal = change.now === null;
+        if (subject === undefined && !removedLater && !(removal && !change.field))
+            problems.push(`${where}: no ${kind} '${id}' in the data`);
+        else if (subject !== undefined &&
+            value === undefined &&
+            !removal &&
+            !removedLater)
+            problems.push(`${where}: no such field`);
+        // The newest change to a path must still describe the data.
+        if (later.length === 0 && change.now !== undefined) {
+            const current = removal && !change.field ? subject : value;
+            if (!matches(change.now, current))
+                problems.push(`${where}: 'now' doesn't match the data`);
+        }
+        if (change.cause === 'issuer') {
+            if (!change.source?.startsWith('https://'))
+                problems.push(`${where}: an issuer change needs an https source`);
+            if (change.field === 'welcome_offer')
+                for (const v of [change.was, change.now])
+                    if (v !== null && !WelcomeOfferSchema.safeParse(v).success)
+                        problems.push(`${where}: not a welcome offer: ${JSON.stringify(v)}`);
+            try {
+                changeHeadline(catalog, change);
+            }
+            catch (e) {
+                problems.push(`${where}: ${e.message}`);
+            }
+        }
+    }
+    // A value recorded as the old one must be what the previous change left.
+    for (const t of touches) {
+        if (t.change.was === undefined || t.change.field === undefined)
+            continue;
+        const before = touches.find((o) => o.kind === t.kind &&
+            o.id === t.id &&
+            o.at > t.at &&
+            o.change.field === t.change.field &&
+            o.change.now !== undefined);
+        if (before && !matches(t.change.was, before.change.now))
+            problems.push(`${releases[t.at]?.version ?? ''} ${t.id} ${t.change.field}: 'was' doesn't match the previous change's 'now'`);
+    }
+    return problems;
+}

package/dist/data/file-store.js

@@ -1,8 +1,8 @@
 import { bookPurchase } from "../engine/record.js";
-import { addToWallet, removeFromWallet, updateInWallet, withMemberships, withValuations, } from "../engine/wallet-change.js";
+import { addToWallet, removeFromWallet, updateInWallet, withMemberships, withSkippedIssuers, withValuations, } from "../engine/wallet-change.js";
 import { loadWallet } from "./load.js";
 import { emptyWallet, } from "./store.js";
-import { addCardText, commitWalletText, EMPTY_WALLET_TEXT, readWalletText, removeCardText, setMembershipsText, setValuationsText, updateCardText, writeProgress, } from "./wallet-edit.js";
+import { addCardText, commitWalletText, EMPTY_WALLET_TEXT, readWalletText, removeCardText, setMembershipsText, setTopListText, setValuationsText, updateCardText, writeProgress, } from "./wallet-edit.js";
 const failed = (error) => ({ ok: false, error });
 const errorText = (e) => (e instanceof Error ? e.message : String(e));
 const queues = new Map();
@@ -75,6 +75,9 @@ export class FileWalletStore {
     setMemberships(memberships) {
         return this.change((w) => withMemberships(this.catalog, w ?? emptyWallet(), memberships), (text, change) => setMembershipsText(text ?? EMPTY_WALLET_TEXT, change.wallet.memberships));
     }
+    setSkippedIssuers(issuers) {
+        return this.change((w) => withSkippedIssuers(this.catalog, w ?? emptyWallet(), issuers), (text, change) => setTopListText(text ?? EMPTY_WALLET_TEXT, 'skipped_issuers', change.wallet.skipped_issuers ?? []));
+    }
     setValuations(changes) {
         return this.change((w) => withValuations(this.catalog, w ?? emptyWallet(), changes), (text) => setValuationsText(text ?? EMPTY_WALLET_TEXT, changes));
     }

package/dist/data/integrity.js

@@ -1,4 +1,5 @@
 import { resolveMerchant } from "../merchants/resolve.js";
+import { isAnniversary } from "../engine/periods.js";
 import { WALLET_VERSION } from "../schema/wallet.js";
 function duplicates(ids) {
     const seen = new Set();
@@ -160,6 +161,19 @@ function cardProblems(card, catalog, merchantIds) {
         ...card.intro_rates.map((i) => i.id),
         ...card.credits.map((c) => c.id),
     ]);
+    // An end or start date has to come from the issuer, so a quote names its
+    // year ("through 12/31/2027", "Starting in 2027").
+    for (const [id, date] of [
+        ...card.credits.map((c) => [c.id, c.valid_to]),
+        ...card.milestones.map((m) => [m.id, m.valid_from]),
+    ]) {
+        if (date === undefined)
+            continue;
+        const year = date.slice(0, 4);
+        const named = new RegExp(`(^|\\D)(${year}|\\d{1,2}/\\d{1,2}/${year.slice(2)})(\\D|$)`);
+        if (!card.evidence.some((e) => e.rule === id && named.test(e.quote)))
+            problems.push(`${where} ${id}: no evidence quote names its date's year`);
+    }
     const sourcePages = new Set(card.source_urls.map((u) => u.split('#')[0]));
     const backed = new Set(card.evidence.map((e) => e.rule));
     for (const e of card.evidence) {
@@ -292,6 +306,10 @@ export function walletProblems(wallet, catalog) {
     for (const id of duplicates(wallet.cards.map((c) => c.id))) {
         problems.push(`wallet: card '${id}' is listed twice`);
     }
+    const issuers = new Set(catalog.cards.map((c) => c.issuer));
+    for (const id of wallet.skipped_issuers ?? [])
+        if (!issuers.has(id))
+            problems.push(`wallet skipped_issuers: no card is from '${id}'`);
     for (const [id, valuation] of Object.entries(wallet.valuations)) {
         const currency = currencies.get(id);
         if (!currency) {
@@ -306,6 +324,8 @@ export function walletProblems(wallet, catalog) {
     }
     for (const held of wallet.cards) {
         const where = `wallet card ${held.id}`;
+        if (held.anniversary !== undefined && !isAnniversary(held.anniversary))
+            problems.push(`${where}: anniversary '${held.anniversary}' isn't a date`);
         const card = cards.get(held.id);
         if (!card) {
             problems.push(`${where}: not in the card catalog`);

package/dist/data/load.js

@@ -7,6 +7,7 @@ import { z } from 'zod';
 import { CONFIG_DIR, WALLET_ENV_VAR } from "../brand.js";
 import { CardSchema } from "../schema/card.js";
 import { CategoriesFileSchema } from "../schema/category.js";
+import { ChangesFileSchema } from "../schema/changes.js";
 import { CurrenciesFileSchema } from "../schema/currency.js";
 import { IssuersFileSchema } from "../schema/issuer.js";
 import { MembershipsFileSchema } from "../schema/membership.js";
@@ -50,6 +51,10 @@ export async function loadCatalog(dir = DATA_DIR) {
         merchants: { seed, overrides },
     };
 }
+// The structured change record, newest release first.
+export function loadChanges(dir = DATA_DIR) {
+    return readYaml(path.join(dir, 'changes.yaml'), ChangesFileSchema);
+}
 // MCP clients pass config values through without a shell, so "~" or
 // "${HOME}" can arrive as literal text; expand them here.
 export function walletPath(env = process.env) {

package/dist/data/store.js

@@ -1,5 +1,5 @@
 import { bookPurchase } from "../engine/record.js";
-import { addToWallet, removeFromWallet, updateInWallet, withMemberships, withValuations, } from "../engine/wallet-change.js";
+import { addToWallet, removeFromWallet, updateInWallet, withMemberships, withSkippedIssuers, withValuations, } from "../engine/wallet-change.js";
 import { withoutCardNumbers } from "../schema/card-number.js";
 import { WALLET_VERSION, WalletSchema } from "../schema/wallet.js";
 const failed = (error) => ({ ok: false, error });
@@ -61,6 +61,9 @@ export class JsonWalletStore {
     setMemberships(memberships) {
         return this.change((w) => withMemberships(this.catalog, w ?? emptyWallet(), memberships));
     }
+    setSkippedIssuers(issuers) {
+        return this.change((w) => withSkippedIssuers(this.catalog, w ?? emptyWallet(), issuers));
+    }
     setValuations(changes) {
         return this.change((w) => withValuations(this.catalog, w ?? emptyWallet(), changes));
     }

package/dist/data/wallet-edit.js

@@ -44,6 +44,10 @@ function fieldLines(field, f, indent) {
             return f.enrolled === undefined
                 ? ''
                 : `${indent}enrolled: ${flowList(f.enrolled)}\n`;
+        case 'skipped_credits':
+            return f.skipped_credits === undefined
+                ? ''
+                : `${indent}skipped_credits: ${flowList(f.skipped_credits)}\n`;
         case 'credit_usage': {
             if (f.credit_usage === undefined)
                 return '';
@@ -106,6 +110,7 @@ const FIELDS = [
     'milestone_usage',
     'enrolled',
     'credit_usage',
+    'skipped_credits',
     'bonus',
 ];
 function cardsSeq(text) {
@@ -207,18 +212,29 @@ export function updateCardText(text, cardId, fields) {
     }
     return out;
 }
-export function setMembershipsText(text, memberships) {
+export const setMembershipsText = (text, memberships) => setTopListText(text, 'memberships', memberships);
+// A top-level list, written as one flow line before `cards:`. An empty list
+// other than memberships loses its line.
+export function setTopListText(text, key, list) {
     const root = rootMap(text);
-    const line = `memberships: ${flowList(memberships)}\n`;
-    const pair = root.items.find((p) => keyOf(p) === 'memberships');
+    const line = list.length === 0 && key !== 'memberships'
+        ? ''
+        : `${key}: ${flowList(list)}\n`;
+    const pair = root.items.find((p) => keyOf(p) === key);
     if (pair) {
         const start = range(pair.key)[0];
         const end = afterLine(text, (pair.value === null ? range(pair.key) : range(pair.value))[1] - 1);
-        return text.slice(0, start) + line + text.slice(end);
+        // A comment at the end of the key's line stays with the new value.
+        const first = text
+            .slice(start, afterLine(text, start))
+            .replace(/\r?\n$/, '');
+        const comment = / #.*$/.exec(first)?.[0] ?? '';
+        const kept = line === '' ? '' : line.replace(/\n$/, `${comment}\n`);
+        return text.slice(0, start) + kept + text.slice(end);
     }
     const cards = root.items.find((p) => keyOf(p) === 'cards');
     return cards
-        ? insertLines(text, lineStart(text, range(cards.key)[0]), line)
+        ? insertLines(text, aboveComments(text, range(cards.key)[0]), line)
         : insertLines(text, text.length, line);
 }
 // Point values, one currency at a time so the rest of the file, comments