payment-method-decider SKILL.md skillA
payment-method-decider from daizedong/buy-me-a-car is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add daizedong/buy-me-a-car/payment-method-decider@git:20260922.09bd4b1Pins git:20260922.09bd4b1 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- daizedong/buy-me-a-car
- Path
skills/payment-method-decider/SKILL.md- Versions recorded
- 5
- Latest version
- git:20260922.09bd4b1, committed Sep 22, 2026
- First version recorded
- Jun 22, 2026
- Size
- 5,114 bytes
- Repository stars
- 10
- License
- MIT
Use to choose the right payment method (cashier's check, debit, credit card, financing, lease) for a car purchase given buyer's specific situation (card rewards, dealer POS limits, financing pre-approval, captive vs CU). Triggers include "cash or CC for car", "Visa for $30k purchase", "crypto cashback card rewards", "dealer POS limit", "Chase Sapphire car purchase", "支付方式", "买车用刷卡还是支票", and Spanish phrases "metodo de pago para el carro", "pago el carro con tarjeta o con cheque de caja".
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Payment Method Decider Compare the buyer's authorized payment options using written dealer and issuer terms. Payment method can change price, incentives, fees and borrowing costs. Retain the buyer's preference; do not switch to financing or a lease silently. Keep internal `walk_away`, maximum monthly payment and account details private. ## Inputs Use known information first and obtain only missing terms: - Complete same-vehicle OTD for each payment method, with conditional incentives. - Dealer's accepted instruments, aggregate and per-transaction card limits, surcharge/fixed fees, settlement requirements and verified payee details. - Issuer's actual eligible purchase categories, reward rate, remaining cap, treatment of surcharges, attainable redemption value and exclusions. - Available credit/funds, statement/grace-period terms and ability to pay in full. - For borrowing: principal, down payment, note interest rate, disclosed APR, payment schedule, term, fees, prepayment terms and dated payoff conditions. There is no universal PCI card transaction cap, dealer surcharge or card-brand reward rate. A car intended for travel does not become travel-category spending. …
Read the whole file at its exact version.
How to install
mdr add daizedong/buy-me-a-car/payment-method-decider@sha256:ddac8214388dee69The line at the top of this page pins the label git:20260922.09bd4b1, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_tkejmyvj24l2lroa)
3 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 5 versions of this file, between Jun 22, 2026 and Sep 22, 2026, about one every 23 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20260922.09bd4b1 latest | 2026-09-22 | 09bd4b1 | 5,114 B | A | view · diff |
| git:20260723.567149d | 2026-07-23 | 567149d | 9,281 B | A | view · diff |
| git:20260717.9718849 | 2026-07-17 | 9718849 | 9,281 B | A | view · diff |
| git:20260622.622f22f | 2026-06-22 | 622f22f | 9,290 B | A | view · diff |
| git:20260622.47216a9 | 2026-06-22 | 47216a9 | 8,557 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (5114 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
daizedong/buy-me-a-car · 10 stars · license MIT · pushed 2026-10-16 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_tkejmyvj24l2lroa GET https://markdownregistry.com/api/v1/resolve?ref=daizedong/buy-me-a-car/payment-method-decider GET https://markdownregistry.com/api/v1/blob/ddac8214388dee6952fbd28e6972ddcfa84e5ea4ce92a272e9b88f18fe7e669f
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.