CardCoach

CardCoach is a mobile app (with a lightweight web dashboard) that helps people use credit cards wisely at the moment of purchase. Users connect their cards via open-banking and optionally forward card offer emails. The app builds a simple “rules engine” for real life: which card to use for groceries vs. travel, when to avoid interest, and how to keep utilization low before statement close. It sends timely nudges like “Your statement closes in 3 days—pay $212 to keep utilization under 10%” and “Don’t put this on Card B; you’re in a 0% promo on Card A.” It also flags risky patterns (cash advances, creeping balances, missed payments) and provides a one-tap payoff plan that prioritizes interest and credit-score impact. It’s not a budgeting app; it’s a decision app for credit behavior.