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Fenrir Ledger
Every reward has a deadline. Fenrir doesn't forget.
Credit card churning lives and dies by dates — fee anniversaries, promo windows, spend thresholds. Miss one and the issuer wins. Fenrir Ledger puts every deadline in front of you, named and counted, before the chain pulls tight.
“Though it looks like silk ribbon, no chain is stronger.”— Prose Edda, Gylfaginning
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The Chains They Forged for You
The traps aren't loud. They're quiet by design — dates buried in terms, thresholds easy to miss, windows that close without ceremony. Three of them catch most people.
The Fee-Serpent
The annual fee is zero work for the issuer and easy to forget for you. It charges automatically, on a date you set and then lost. No warning. No negotiation. It was always going to land — the question is whether you were ready.
The Promo Tide
Every sign-up offer has an expiration. Spend threshold by this date. Earn the bonus before the window closes. Miss it, and the points that were practically yours vanish — not stolen, just quietly allowed to expire. Hati runs. The moon doesn't wait.
The Unclaimed Plunder
Statement credits. Quarterly bonuses. Rewards that require activation. The issuers know most cardholders won't claim them — that's the business model. The wolf who tracks what's owed collects what others leave behind.
The issuers built these traps carefully. Fenrir was built to dismantle them.
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What the Wolf Watches
Six tools that track every card in your household — deadlines, balances, open windows, and history. Nothing slips. Nothing closes unnoticed. Everything that's yours stays yours.
Sköll & Hati
Two deadline trackers named for the wolves who chase the sun and moon across the sky. Sköll watches your annual fee dates; Hati watches your promo windows. Each one counts down.
The Norns' Weave
Past, present, and future — what you've spent, where your balances stand today, and what needs to happen before each deadline closes.
The Ledger of Fates
Every card in your household, laid out cleanly. Annual fees, credit limits, reward balances, issuer details, fee schedules. The full picture.
Valhalla
Closed cards don't disappear. They're archived — every fee you avoided, every bonus you collected, every card you closed at exactly the right moment.
The Howl
Alerts before deadlines, not after. The Howl fires when a fee date is approaching, when a promo window is tightening, when a spend threshold needs attention.
The Nine Realms
Each card carries a status badge drawn from the Nine Realms — a single word that tells you exactly where it stands. Earning, warning, burning, or closed with honor.
What I Guard. What I Never Touch.
I track card metadata, not payment credentials. The distinction is everything.
What Fenrir Tracks — and What It Never Touches
Fenrir is a card metadata tracker — not a payment processor. I watch your card names, issuers, fees, and deadlines. I never see, store, or transmit credit card numbers, CVVs, PINs, or passwords. Not during import. Not in the ledger. Not ever.
What Fenrir Tracks
- Card name & product (e.g., "Sapphire Preferred")
- Card issuer (e.g., "Chase", "Amex", "Capital One")
- Annual fee amount & renewal date
- Sign-up bonus details, spend threshold & deadline
- Card open date & credit limit
- Spending notes you add manually
- Custom alerts and reminders you set
What Fenrir Never Touches
- Credit card numbers (16-digit PAN)
- CVV / CVC security codes
- Card PINs
- Online banking passwords
- Social Security numbers
- Bank account numbers or routing numbers
- Actual transaction data or purchase history
I was born to guard, not to harvest. The ledger holds your strategy — never your secrets.
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Three Runes to Freedom
No spreadsheets. No calendar reminders that drift out of sync. Three steps to get every card tracked and every deadline visible.
01
Forge Your Chains
Add your cards. Name the issuer, the annual fee date, the sign-up offer deadline, the spend threshold. Takes two minutes per card.
02
Watch the Norns Weave
The dashboard shows every active card, every approaching deadline, every open reward window. Sköll and Hati count the days.
03
Break Free
Close before the fee hits. Claim before the window closes. Collect what you earned and mark the card closed. It moves to Valhalla — honored, recorded, done.
The wolf waits. The chain weakens.
Every day you delay is another fee that might land, another bonus that might expire. Start tracking before the next deadline passes.
Open the Ledger