CARD: Controlled Agentic Reddit Discussions for Credit Card Simulation
Online credit card discussions provide a natural setting for studying how consumers communicate about financial products. Simulating these discussions requires more than just generating individual comments, the generated threads should also match how real users express themselves and interact with others. We introduce CARD, a framework for generating realistic credit card discussion threads. Given a credit card post and its matched real thread, CARD uses non-verbatim guidance on reply structure, comment function, stance, tone, and conversational variation. A planner organizes these controls, a writer generates the discussion, and a calibration loop updates comments' populations that contr...
| Authors | Yaoning Yu, Kai-Min Chang, Ye Yu et al. |
|---|---|
| Primary category | cs.AI |
| Published | 10 August 2026 |
| Last updated at source | 11 August 2026 |
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