About Me (and TinyCharge)
Built by someone who actually collects credit cards
I built TinyCharge for a specific, personal reason: I like having a lot of credit cards, and I got tired of the one problem that comes with that.
About Me.
Hi, I'm Sina. I'm the person behind TinyCharge, I built it, I run it, and I use it myself every month.
Why I wanted 10 credit cards
At one point my goal was to own 10 credit cards. Not to spend more, but for a few concrete reasons:
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A higher combined credit limit, which keeps utilization low
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A longer, steadier credit history. If you have 10 cards with years of history and one gets closed, you lose a small slice of that history. If you only have 1 or 2, losing one wipes out half of it
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Access to whatever new card comes out next. Rewards programs change constantly, and the better your credit history, the better the cards you qualify for
Then I stopped using most of them
I got there, and now most of those cards just sit unused.
These days almost everything goes on two cards: Walmart for 3% back, and Wealthsimple for 2% back on everything else, gas, restaurants, all of it. My other cards earn less or are tied to smaller accounts I don't bother with anymore. I'd rather manage two cards well than juggle six.
But card issuers close accounts that go quiet. So even though I didn't want to touch those cards day to day, I still had to, or risk losing years of history on each one.
The actual problem
I didn't want to carry six cards around or set a reminder to make a small purchase on each one every month. That's exactly the kind of manual habit I was trying to get away from in the first place.
Subscriptions seemed like the obvious workaround, until I did the math. I'm not going to pay for Spotify, Prime, or Netflix again on a card I don't actually use, just to keep it alive. That's $12+ a month, per card, for something I don't need or want.
So I built TinyCharge
One small charge, once a month, per card. No contracts, no price hikes, no upsells. For less than the cost of a single streaming subscription, I can keep several cards active without thinking about them.
Here's my actual setup: I use my two highest-earning cards for everyday spending, and I subscribe the rest to TinyCharge. Then I go one step further and preload roughly a year's worth of charges onto each card at once, so I genuinely don't have to think about it again for twelve months.
No dashboards to check. No reminders to set. No cards to carry.
What drives this
I use it myself. TinyCharge isn't a theoretical product, it's the system I built to solve my own problem, and I run my own cards through it every month.
No upsells. I'm not trying to sell you more financial products. This solves one specific, annoying problem.
Set it once, forget it. The whole point is that you shouldn't have to check in.
Straightforward pricing. One small charge. No contracts. No surprise price hikes.
Real security, plainly stated. Payments run through Stripe, an industry-standard processor also used by companies like Amazon and Google. TinyCharge never sees or stores your full card number.