Trigger Email base on Credit Card Expiration Dates

Here is our specific use case.  When a customer comes up for annual product renewal we want to send a different email to those customers whose CC on file is expired or is about to expire versus the customers who's card is valid.

In our former system we had the ability to search ccexpirationdate+35  which equals only those records with cc expiring in less than 35 days in the future. (as compared to sysdate or rundate)

I am looking for a way to do that in Marketo.  Any ideas are greatly appreciated.