# Parimkrediitkaart.ee Roadmap

## V1 Goal

Make the site a static, source-backed, Estonian-only comparison hub for credit cards and card-like credit products available to Estonian consumers.

## Data Maintenance

- Product data lives in `data/cards.js`.
- Every product must include at least one official source URL and `lastChecked`.
- Prefer provider product pages, price lists, standard information sheets, insurance terms, TTJA guidance and Finantsinspektsioon registers.
- Do not use third-party comparison pages as final factual authority.
- If a fact is conditional or not confidently verified, set it to `null` or explain it in `notes` instead of inventing precision.
- Recheck active product data monthly and after visible provider price-list updates.

## Scoring Rules

- Editorial ranking is independent from partner revenue.
- Overall score starts from a base value and adjusts for annual cost, APR, missing-data risk, travel insurance, purchase protection, virtual card support, mobile wallets and rewards.
- Presets in `assets/js/app.js` support overall, cheap, travel, low-interest, purchase protection and cashback/rewards comparisons.
- Discontinued products are excluded from active ranking by default.

## Execution Phases

1. Data foundation: keep provider facts source-backed, mark discontinued products clearly, and separate alternatives from bank credit cards.
2. UX depth: improve comparison controls, calculator assumptions, and mobile card presentation.
3. SEO depth: add and maintain focused pages for use cases, issuers and consumer guides.
4. Trust: keep methodology, disclosure, privacy, cookie and terms pages aligned with actual behavior.
5. Operations: review pages monthly, check broken links, and update sitemap `lastmod` after content changes.

## Acceptance Checks

- `node test_favicons.js`
- No fake placeholder products such as `Pank A` or `Fintech B`.
- No `href="#"` CTAs.
- Every product has `sourceUrls` and `lastChecked`.
- Sitemap includes every public HTML page except utility-only generator pages.