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Private beta. Running errands is limited to a single-operator internal pilot — one internal account, enabled by hand, admitted by invitation rather than by self-serve signup; anyone else gets a structured refusal instead of a run. Screenshots a step takes are stored unredacted, encrypted at rest, for 30 days. Nothing on this page is a promise that this errand runs for your account today.

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What this errand is for

Get the real interest rate, balance and minimum on every debt you owe: the numbers a payoff plan needs and you may never have written down.

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What Hence Assistant does in the pilot

  1. List every debt you owe: one row each, balance and minimum payment only.
  2. Fill in the rate for each debt from its statement or online account.
  3. Check the two things a rate on a page doesn’t tell you.
  4. Take the finished list to a payoff order.
Part of the errand, but not something Hence Assistant does for you here:
  • Call for any rate you still couldn’t find, and get it confirmed out loud.

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What you approve, and what you get

Nothing in this pilot is submitted on your behalf: every step reads, drafts or asks. What comes back:
  • The debt list as rows, one per debt, with creditor, kind, balance and minimum.
  • A screenshot per servicer of the statement page the rate was read from.
  • Promo end date and fixed-or-variable, per row, with the page they came from.
  • The completed list, handed back.
Screenshots and documents are referenced by the task rather than pasted into your assistant’s transcript.

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Intents

The ways of asking that reach this errand:
  • find the interest rate on every debt I have
  • gather my APRs, balances and minimums
  • what am I paying on my debts
  • what order should I pay my debts in

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Admission

Before it starts, it asks:
This is a gathering job, and it’s usually the right one if you have a few balances. Four situations make it the wrong one this week. Any of these you?
Say yes to any of these and it refuses:
  • I am being sued over one of these debts.
  • I cannot cover this month’s minimum payments.
  • Every debt I have is in collections or charged off.
  • These are my business’s debts, not mine personally.
Hard stops it will not work around:
  • An active debt lawsuit — that has a court date and beats this errand.
  • The household cannot cover this month’s minimums.
  • The debts belong to a business rather than to a person.

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Required inputs

What it asks you for:
  • Date the promotional rate ends — a date, required.
What it reads off the account pages instead of asking:
  • Balance you owe — an amount, optional, one per row.
  • Who you owe — text, optional, one per row.
  • What kind of debt — one of a fixed list, optional, one per row.
  • Last 4 digits — text, optional, one per row.
  • Minimum payment — an amount, optional, one per row.
  • Promo rate ends — a date, optional, one per row.
  • Interest rate (APR) — a rate, optional, one per row.
  • Fixed or variable — one of a fixed list, optional, one per row.
  • Where this row stands — one of a fixed list, optional, one per row.

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Published ceiling

DONE. The ceiling is the furthest outcome state this errand may reach. It is enforced in the runtime rather than advisory — see the five outcome states.

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Blockers and instruments

Nothing this errand needs is missing.

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Jurisdiction

United States.

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Freshness

The procedure behind this errand was last verified on 2026-10-27.