Sockdrawer watches your entire portfolio and tells you exactly what needs attention. Dormancy warnings, annual fee deadlines, minimum spend progress, missed payments. You stop tracking and start deciding.
No credit card required
5/24 Status
6
Personal cards opened in 24 months
Portfolio Summary
31
Active Cards
62 Total · 31 Cancelled · $247,500 Credit Limit
Annual Fees
$4,835/yr
Personal: $3,240
Business: $1,595
Avg. Age of Accounts
5.2 years
FICO method
VantageScore: 4.8 years
Action Items (7)
374 days without a charge
$95 fee posts in 10 days
$95 fee posts in 15 days
327 days since last charge
View all →
Payments
April 2026
12 of 31 paid
March 2026
31 of 31 paid
Every card comes with its own annual fee date, its own dormancy clock, its own minimum spend window, and its own payment cycle. At 5 cards, you can keep it all in your head. At 10, you probably can't. At 20, something is always about to go wrong.
You had a plan for that card: call retention, negotiate, or product-change to a no-fee version before the fee posted. But with dozens of fee dates to track, this one slipped by. Now you're out $250 or spending 30 minutes on the phone trying to get it reversed.
You did the hard part. You applied, took the hard pull, got approved. Then another card's minimum spend overlapped, or life got busy, and the deadline passed. That signup bonus isn't coming back.
Issuers don't send you a reminder before they shut down an inactive account. If a card sits unused for roughly 12 months, it can just disappear, along with whatever credit history was attached to it. Across a large portfolio, it's easy for a card to go quiet without you realizing.
When you're paying 15 cards across 6 different issuers with different statement close dates and different autopay setups, one missed payment is almost inevitable. And it only takes one to trigger a late fee and a score hit.
Sockdrawer watches every card in your portfolio and builds a task list from your data. When a card is approaching dormancy, you'll see it. When an annual fee is posting in 90 days, you'll get a prompt to decide: keep it, downgrade, or cancel. When a minimum spend deadline is closing in, you'll know how much you've spent and how much time is left. Each item has a priority level, and you can log a charge, mark a decision, or snooze it with one click.
2 urgent · 2 coming up
Needs Attention
Double Cash has gone 374 days without a charge and may be closed by the issuer at any time
9 days overdue
$95 annual fee on Marriott Bonvoy posts in 10 days, decide now whether to keep or cancel
Fee posts on Apr 16, 2026
Coming Up
Freedom Flex hasn't been used in 327 days, make any purchase to keep it active
Due May 14, 2026
$895 annual fee on Platinum posts on Jun 8, 2026
$895 fee posts in 62 days
› Show completed
› Show snoozed (2)
Add every card you hold with the details that matter: issuer, network, last four, annual fee, credit limit, signup date, expiry, and last charge date. Sockdrawer tracks personal and business cards separately (and even lets you identify which business a card is for), shows issuer logos automatically, and lets you filter, sort, and switch between active and cancelled views. Whether a card is in your daily rotation or sitting in the sock drawer, it's tracked.
31 active cards · $247,500 total credit limit
| Card | Issuer | Network | Type | Last Charge | Annual Fee | Fee Due | Expiry |
|---|---|---|---|---|---|---|---|
A Platinum -3004 | American Express | Amex | Personal Charge | 11 | $895 | Jun 8, 2026 | 03/2028 |
C Sapphire Reserve -4567 | Chase | Visa | Personal Credit | 8 | $550 | Oct 3, 2026 | 07/2027 |
C Ink Preferred -8901 (Widget LLC) | Chase | Visa | Business Credit | 142 | $95 | Jan 15, 2027 | 04/2028 |
C Freedom Flex -5555 | Chase | Visa | Personal Credit | 327 | $0 | N/A | 12/2026 |
C Double Cash -1000 (Acme Corp) | Citi | Visa | Business Credit | 374 | $0 | N/A | 06/2027 |
C Venture X -2345 | Capital One | Visa | Personal Credit | 298 | $395 | Nov 22, 2026 | 02/2028 |
Your 5/24 count. Average age of accounts. Total annual fees split by personal and business. Action items that need attention. Payment status for the current month. One screen with the numbers that actually matter, no digging through tabs.
5/24 Status
6
Personal cards opened in 24 months
Portfolio Summary
31
Active Cards
62 Total · 31 Cancelled · $247,500 Credit Limit
Annual Fees
$4,835/yr
Personal: $3,240
Business: $1,595
Avg. Age of Accounts
5.2 years
FICO method
VantageScore: 4.8 years
Sockdrawer calculates how many personal cards you've opened in the last 24 months and shows you exactly when each one falls off. If you're at 4/24 and a slot opens in three weeks, you'll know. You can also adjust the tracking window to monitor other issuer velocity rules like Amex's 2/90 (no more than 2 Amex cards in 90 days) or Citi's 1/8 and 2/65 rules.
You are over 5/24
Chase will likely deny new card applications.
Next slots open: Apr 2026 (18 days) and Jun 2026 (79 days)
Citi Premier
Opened Apr 2024
Falls off Apr 2026
Capital One Venture X
Opened Jun 2024
Falls off Jun 2026
Chase Freedom Unlimited
Opened Sep 2024
Falls off Sep 2026
Amex Gold
Opened Jan 2025
Falls off Jan 2027
Barclays AAdvantage
Opened May 2025
Falls off May 2027
Chase Sapphire Reserve
Opened Nov 2025
Falls off Nov 2027
A monthly checklist of every card showing the name, last four, and business entity so you can match each one against your bank statements. Sort by issuer, name, network, or card type. When you're juggling a dozen cards across different issuers, a simple checklist beats trying to remember what you've already paid.
12 of 31 paid
Sapphire Reserve -4567
Chase
Venture X -2345
Capital One
Custom Cash -6789
Citi
AAdvantage Aviator -3456
Barclays
Freedom Unlimited -5678
Chase
Marriott Bonvoy Business -1000 (Acme Corp)
American Express
Platinum -3004
American Express
Gold -1234
American Express
Blue Business Plus -1000 (Pebble LLC)
American Express
Premium Rewards -7890
Bank of America
Ink Preferred -8901 (Widget LLC)
Chase
Discover It -4321
Discover
Email alerts when action items become urgent. A weekly digest of upcoming tasks. A monthly portfolio status email. Payment reminders on the day you choose. Push notifications for the most time-sensitive items. All part of the Pro plan.
Sockdrawer
Here's your weekly action items summary:
Urgent
Double Cash
Double Cash has gone 374 days without a charge and may be closed by the issuer at any time. Due Mar 28, 2026
Marriott Bonvoy
$95 annual fee on Marriott Bonvoy posts in 10 days, decide whether to keep or cancel. Due Apr 17, 2026
Coming Up
Freedom Flex
Approaching DormancyFreedom Flex hasn't been used in 327 days, make any purchase to keep it active
May 14, 2026 (38 days)
Platinum
Annual Fee Review$895 annual fee on Platinum posts in 62 days
Jun 8, 2026 (62 days)
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Sockdrawer: Credit card portfolio manager for churners
Sockdrawer is designed to work great on any device, from your phone to your tablet to your desktop. Pull up your action items while you're on the phone with a retention line. Mark a payment while you're looking at your bank app. Check your 5/24 count before you hit submit on an application.
4 urgent · 3 coming up
Needs Attention
Double Cash has gone 374 days without a charge and may be closed by the issuer at any time.
9 days overdue
I cancelled this card
$95 annual fee on Marriott Bonvoy posts in 10 days, decide now whether to keep or cancel.
Fee posts on Apr 16, 2026
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