Keep Your Credit Cards Active

Automated charges prevent closures due to inactivity.

You pick the amount and schedule. Stripe handles the rest.

Get Started How It Works

Built by Abe Hanoka — payments engineer and dj-stripe maintainer.

The Problem

Credit card issuers close accounts with no activity for 12-24 months. When they do:

  • Your credit utilization ratio goes up
  • Your average account age goes down
  • Your credit score takes a hit

If you have cards you rarely use but want to keep open, you need activity. Charj automates that.

How It Works

1

Add cards

Enter card details through Stripe's form. We never see or store card numbers.

2

Set schedule

Pick your amount ($0.50+) and frequency: daily, weekly, monthly, or yearly.

3

Done

Charges run automatically. Your cards stay active. Cancel anytime.

Why Trust This

I'm Abe Hanoka. I'm a payments engineer and maintainer of dj-stripe, the most popular Django library for Stripe integration.

I've built payment systems that have processed over $1M in transactions:

  • One8.io — parking payments with Stripe Connect
  • MergeCal — paid SaaS
  • dj-stripe — open source Stripe integration for Django

I built Charj because I heard from people who lost credit cards to inactivity. It's a simple problem with a simple solution.

Pricing

You choose
$0.50 minimum per card
  • Pick any amount starting at $0.50
  • Pick any frequency: daily, weekly, monthly, yearly
  • Each card has its own subscription
  • Cancel anytime, no fees

Most users: $1/year per card. That's it.

See pricing details

FAQ

Is my card data secure?
Card data is handled entirely by Stripe. Charj never sees or stores card numbers. Stripe is PCI DSS Level 1 certified.
What's the minimum charge?
$0.50. That's the smallest amount Stripe can reliably process.
Can I cancel anytime?
Yes. Cancel through your dashboard or Stripe's portal. No fees, no questions.
How many cards can I add?
No limit. Each card gets its own subscription.
Will small charges hurt my credit score?
No. Small recurring charges don't negatively impact your score. Keeping accounts open and active is what matters.

Keep your cards active

Simple problem. Simple solution.

Get Started