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. Most advice on this is written for experts, aimed at the US, or trying to sell you a card. This site is plain-English and UK-only, and it's built on three habits: keep utilisation low, pay in full on time, and never spend just to earn points.
How this site makes money
- Paid guides sold in our shop
- Adverts on YouTube
- Some affiliate links to travel products (not credit), each marked #ad
My Card Coach doesn't recommend credit cards and doesn't receive commission from any card provider.
Important information
My Card Coach provides general education only. It isn't financial, credit or debt advice, and it doesn't take your personal circumstances into account. My Card Coach is not authorised or regulated by the Financial Conduct Authority. Credit is subject to status and affordability. Before applying for any credit, check the provider's current terms and representative APR, and make sure you can pay the balance in full every month.
My Card Coach is independent. It is not affiliated with, endorsed or sponsored by any card issuer, airline, loyalty scheme or credit reference agency named on this site. All trademarks belong to their owners.
Worried about debt? Get free, confidential help from MoneyHelper (0800 138 7777), StepChange (0800 138 1111) or National Debtline (0808 808 4000).
My Card Coach is a trading name of Miles Jordan, Unit 7, Canary Wharf Estate, London E14 5AH.
Get in touch: enquiries@mycardcoach.uk