Israeli Consumer Fee Fighter
Verified95/100Helps you cut recurring bank and credit-card fees. Use it when you pay per action instead of being on a cheaper fixed-price fee track, when you want to cancel a barely-used credit card, stop a recurring charge or debit authorization, or negotiate a specific commission down. The skill prepares a ready-to-send Hebrew cancellation letter, a rights-grounded negotiation script, and a short summary of your rights, based on Bank of Israel fee rules and Israeli banking law. Why it matters: many Israelis overpay hundreds of shekels a year because they do not know there is a supervised basic track, a right to cancel at any time, and discounts for seniors, people with disabilities, and small businesses. Not for maximizing cashback or deals, coupon hunting, analyzing bank transactions, or household budgeting.
Trust score 95/100 (Verified) · 3 GitHub contributors · MIT license
Israeli consumers quietly overpay their bank and credit-card companies every month, billed per action instead of on a fixed-price track, paying for a card they barely use, or still charged by a service they thought they cancelled. The law gives them clear levers: two standardized fee tracks, the right to switch, a free one-click bank switch, the right to cancel a card or a recurring debit at any time, and discounts for eligible populations. This skill turns those rights into three deliverables: a cancellation letter, a negotiation script, and a short rights summary.
skills-ilHow to use this skill
Not sure how? Read the guide- 1. Click "Download ZIP" to download the skill files.
- 2. Open Claude Desktop and go to Customize > Skills.
- 3. Click "+" and select "Upload a skill", then upload the ZIP file.
- 4. Start a new conversation. The skill will activate automatically when relevant.
Developers? Install via command line (CLI)
npx skills-il add skills-il/tax-and-finance@v1.0.0-israeli-consumer-fee-fighter --skill israeli-consumer-fee-fighter -a claude-codeWhen to Apply
- When you pay per action and want to check whether the basic or expanded fixed-price track is cheaper.
- When you want to cancel a barely-used credit card cleanly without bouncing your recurring charges.
- When a service keeps charging you after you thought you cancelled and you need to stop the debit and the debt.
- When you want a rights-grounded script to negotiate a specific fee or commission down.
- When your bank is expensive across the board and you want to switch banks in one click (niud).
Try These Prompts
I do about 40 direct-channel and 3 teller actions a month and pay per action. What is cheaper for me?
I have a second credit card I barely use but pay an annual fee on. How do I cancel it without my recurring charges bouncing?
I cancelled a subscription but they keep charging me. What are my rights?
My account-management fee is higher than the basic track. How do I ask to be moved to it?
Frequently Asked Questions
Related Skills
Author: skills-ilPrepare and file Israeli tax returns with Reshut HaMisim. Covers Form 1301 (individual), Form 135 (short return for salaried refund-seekers), Form 1214 (corporate), Form 126 (employer salary), Form 856 (supplier payments), Form 6111 (financial statements), mikdamot (advance payments), Mas Shevach (real estate capital gains), and securities capital gains (Forms 1322/1325). Guides income classification, deductions, tax credits, surtax, deadlines, and SHAAM submission. Do NOT use for VAT reporting (use israeli-vat-reporting), withholding tax (use israeli-tax-withholding), crypto tax (use israeli-crypto-tax-reporter), payroll (use israeli-payroll-calculator), invoicing (use israeli-e-invoice), or Section 102 employee stock options (use israeli-stock-options-tax).
Author: skills-ilStrategic tax analysis for Israeli company owners (baalei shlita) comparing salary, dividends, shareholder loans, and management fees as profit extraction methods. Calculates total tax burden across methods, identifies optimal strategy based on assessment amount and company structure, and verifies compliance with Israeli Tax Authority rules. Use when you need to pay a personal tax assessment from company funds, compare dividend vs salary, analyze shareholder loan tax implications under Section 3(tet), or plan profit extraction as a controlling shareholder. Prevents costly extraction mistakes by analyzing withholding, Bituach Leumi, surtax, and corporate tax interactions. Do NOT use for VAT reporting (use israeli-vat-reporting), payroll processing (use israeli-payroll-calculator), annual tax return filing (use israeli-tax-returns), or crypto tax (use israeli-crypto-tax-reporter).
Author: skills-ilIntegrate Pelecard payment processing into Israeli web and mobile apps -- covers iframe payment flow on gateway21.pelecard.biz, ActionType selection (J2/J4/J5/J5h), tashlumim (installments), tokenization, ConfirmationKey server-side validation via PaymentGW/GetTransaction, refunds, 3D Secure 2, Bit wallet, and Apple Pay via ClientSecure.js. Use when user asks to accept payments via Pelecard, set up "slikat ashrai" with Pelecard, validate a Pelecard callback, charge a saved Pelecard token, or mentions "Pelecard", "פלאקארד", "gateway21", "PelecardStatusCode", or "ConfirmationKey". Do NOT use for Cardcom (use cardcom-payment-gateway), Tranzila (use tranzila-payment-gateway), Grow/Meshulam (use grow-payment-gateway), multi-gateway orchestration (use israeli-payment-orchestrator), or invoice generation (use green-invoice).
Use at your own risk. Terms of Use · Security
Want to build your own skill? Try the Skill Creator · Submit a Skill