Use your credit card smarter. Make your points go further.
Plain-English coaching for UK cardholders: protect your credit file, avoid the fees, and put everyday spending towards a future trip.
The My Card Coach guides
Plain-English UK guides by Coach Cal. Instant PDF download, fact-checked September 2026.
The Complete Bundle
All three guides plus the My Card Coach Toolkit: an Excel workbook with a utilisation tracker, redemption value calculator, voucher planner and more.
The Points Value Playbook
Earn, value and spend Avios, Virgin Points and flexible points, including companion vouchers and booking walkthroughs.
Credit Score Coach
Understand your credit file, correct genuine errors and prepare for a mortgage application.
Business Class on a Budget
Ways to reduce the points and cash cost of premium cabins, with route strategies and a trip planner.
General education only, not financial advice. Instant PDF download.
Sound familiar?
"I'm not sure my credit score is where it should be."
Most people have never heard of credit utilisation, yet it's one of the things lenders look at.
"I earn points, but I don't know what they're worth."
The same points can be worth pennies or pounds depending on how you use them.
"Points sites feel like they're written for experts."
Jargon, acronyms and US advice that doesn't apply here in the UK.
Everything here is built on three habits
Keep utilisation low
Use a small share of your limit and your credit file looks healthier.
Pay in full, on time, every time
Interest wipes out the value of any reward.
Never spend just to earn points
Points reward spending you were doing anyway.
The My Card Coach Starter Guide
A plain-English guide to getting your card habits right and your first great redemption. Inside:
- How credit utilisation works, and the number to aim for
- What your points are really worth
- The 90-day starter plan
Hi, I'm Coach Cal.
I'm the voice behind My Card Coach. I learned the hard way that a credit card can quietly cost you a fortune or quietly pay for your holidays, and the difference comes down to a few habits. My Card Coach is everything I wish someone had explained at the start, without the jargon and without the hype.
More about me →General education only, not financial, credit or debt advice. My Card Coach is not authorised or regulated by the Financial Conduct Authority, doesn't arrange credit and receives no commission from card providers. Credit is subject to status and affordability. Always pay your balance in full to avoid interest.
My Card Coach is independent and not affiliated with any card issuer, airline, loyalty scheme or credit reference agency named on this site. All trademarks belong to their owners. Worried about debt? MoneyHelper 0800 138 7777, StepChange 0800 138 1111, National Debtline 0808 808 4000.
My Card Coach is a trading name of Miles Jordan, Unit 7, Canary Wharf Estate, London E14 5AH. enquiries@mycardcoach.uk