{"schemaVersion":"2026-07-01","index_id":"card-carrier-cost","label":"Credit Card Balance Carrier Cost Index","asOf":"2026-11-01T00:00:00.000Z","generatedAt":"2026-11-14T03:15:49.387Z","freshnessStatus":"fresh","attribution":{"name":"SwitchWize","url":"https://www.switchwize.com","requiredText":"SwitchWize (switchwize.com)"},"source":"https://www.switchwize.com/indices/card-carrier-cost","sourceDetails":{"name":"SwitchWize index history","url":"https://www.switchwize.com/indices/card-carrier-cost","method":"computed_index"},"methodologyUrl":"https://www.switchwize.com/indices/card-carrier-cost#methodology","series":[{"month":"2026-07-01","index_value":475,"baseline_apy":21.5,"top_avg_apy":12,"gap_points":9.5,"units_tracked":1},{"month":"2026-08-01","index_value":475,"baseline_apy":21.5,"top_avg_apy":12,"gap_points":9.5,"units_tracked":1},{"month":"2026-09-01","index_value":475,"baseline_apy":21.5,"top_avg_apy":12,"gap_points":9.5,"units_tracked":1},{"month":"2026-10-01","index_value":475,"baseline_apy":21.5,"top_avg_apy":12,"gap_points":9.5,"units_tracked":1},{"month":"2026-11-01","index_value":518,"baseline_apy":22.36,"top_avg_apy":12,"gap_points":10.36,"units_tracked":1}],"representative_balance":5000,"unit":"credit cards"}