{"citations":{"source_mix":{"company_owned":4,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":8,"partial":4},"total_sources":13,"unique_domain_count":9},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards That Graduate to Unsecured Credit","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Secured Cards With Unsecured Graduation","subject":"Discover","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Discover","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","deepseek","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Discover","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Discover","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-04","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Discover","unit":"platforms","value":1}],"consensus_findings":["Automatic Reviews Beginning Around Seven to Eight Months","No Annual Fee","Three-Bureau Reporting","Deposit Return Upon Graduation","Rewards During the Secured Phase","High Variable APR"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Graduation Timing: Seven Months vs. Eight Months","Product Availability in 2026","Deposit Return Mechanics","Whether Graduation Is Automatic or Discretionary","APR Figures"],"entities":[{"average_rank":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Discover","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/secured-cards-unsecured-graduation/discover.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/secured-cards-unsecured-graduation/discover","report_type":"fit_review","study_id":"CCI-STUDY-8E4F50CED8D1","title":"Discover for Secured Credit Cards That Graduate to Unsecured Credit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-04 10:56:40.523726+00","research_date":"2026-09-04","source_snapshot_sha256":"2fa1e2fcf96996141d51cb77ac82fbec84f8ca5711f8d7d1233c2998022460d5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":8,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"Discover is a strong fit for consumers seeking a secured credit card with a realistic path to unsecured graduation and potential return of the security deposit while keeping the account open. Six of seven AI platforms named Discover in the ranking stage, and five of seven rated it a \"strong\" or \"good\" fit for this specific use case. The strongest reason to consider the Discover it® Secured Credit Card is its issuer-stated automatic monthly account reviews beginning at seven to eight months, combined with no annual fee, cash back rewards during the secured phase, and three-bureau reporting.…","target_buyer":"Consumers who want a secured card with a realistic path to unsecured credit and potential return of the security deposit while keeping the account open","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Graduation policy","review timing","deposit return process","three-bureau reporting","annual fees","APR","long-term account value"],"geography":"United States","slug":"best-secured-credit-cards-that-graduate-to-unsecured-credit","title":"Best Secured Credit Cards That Graduate to Unsecured Credit","use_case":"Secured Cards With Unsecured Graduation"}}