diff --git a/cmd/reconcile-cards/main.go b/cmd/reconcile-cards/main.go
new file mode 100644
index 0000000..eeb69aa
--- /dev/null
+++ b/cmd/reconcile-cards/main.go
@@ -0,0 +1,73 @@
+package main
+
+import (
+	"flag"
+	"log"
+	"terminalShop/pkg/config"
+	"terminalShop/pkg/database"
+	"terminalShop/pkg/models"
+
+	"github.com/stripe/stripe-go/v78"
+	"github.com/stripe/stripe-go/v78/paymentmethod"
+)
+
+func main() {
+	dryRun := flag.Bool("dry-run", false, "list orphans without detaching")
+	flag.Parse()
+
+	cfg, err := config.Load()
+	if err != nil {
+		log.Fatalf("config: %v", err)
+	}
+	if _, err := database.Connect(cfg.DatabaseURL); err != nil {
+		log.Fatalf("db: %v", err)
+	}
+	db := database.GetDB()
+	stripe.Key = cfg.StripeSecretKey
+
+	var users []models.User
+	if err := db.Where("stripe_customer_id != ''").Find(&users).Error; err != nil {
+		log.Fatalf("list users: %v", err)
+	}
+
+	totalOrphans, totalDetached := 0, 0
+	for _, user := range users {
+		var activeCards []models.Card
+		if err := db.Where("user_id = ?", user.ID).Find(&activeCards).Error; err != nil {
+			log.Printf("user %d: list cards: %v", user.ID, err)
+			continue
+		}
+		keep := make(map[string]bool, len(activeCards))
+		for _, card := range activeCards {
+			keep[card.StripePaymentID] = true
+		}
+		iter := paymentmethod.List(&stripe.PaymentMethodListParams{
+			Customer: stripe.String(user.StripeCustomerID),
+			Type:     stripe.String("card"),
+		})
+		for iter.Next() {
+			pm := iter.PaymentMethod()
+			if keep[pm.ID] {
+				continue
+			}
+			totalOrphans++
+			last4 := ""
+			if pm.Card != nil {
+				last4 = pm.Card.Last4
+			}
+			log.Printf("orphan: user=%d cus=%s pm=%s last4=%s", user.ID, user.StripeCustomerID, pm.ID, last4)
+			if *dryRun {
+				continue
+			}
+			if _, err := paymentmethod.Detach(pm.ID, nil); err != nil {
+				log.Printf("  detach failed: %v", err)
+				continue
+			}
+			totalDetached++
+		}
+		if err := iter.Err(); err != nil {
+			log.Printf("user %d: list pms: %v", user.ID, err)
+		}
+	}
+	log.Printf("done. orphans=%d detached=%d dry_run=%v", totalOrphans, totalDetached, *dryRun)
+}