{"index_id":"card-carrier-cost","label":"Credit Card Balance Carrier Cost Index","representative_balance":5000,"unit":"credit cards","source":"https://www.switchwize.com/indices/card-carrier-cost","series":[{"month":"2026-07-01","index_value":475,"baseline_apy":21.5,"top_avg_apy":12,"gap_points":9.5,"units_tracked":1}]}