
Emily Tye
Senior Content Manager
Emily has worked in heavily regulated industries since 2018, before joining Zable (part of Lendable) in 2025. She strives to help people borrow and save better by writing straightforward, transparent content that’s simple to understand.
"After over seven years working in money-related industries, I’ve seen how confusing jargon can hold people back. I’m committed to writing clear, straightforward, and accurate information so everyone can feel confident about their money."
Articles by this author

Can you set up a direct debit on a credit card?
Find out whether you can set up a direct debit on a credit card and how to use a direct debit to pay your credit card bill automatically.

Can you pay a credit card with another credit card?
You cannot pay a credit card bill directly with another credit card, but there are other options. Here's what you need to know.

What age can you get a credit card in the UK?
You need to be 18 to get a credit card. Find out why, what else lenders look for, and what options are open to you if you have no credit history.

What is a credit card number?
The 16-digit number on your credit card is called a PAN. This guide explains what each part means and what the other numbers on your card are for.

What is adverse credit?
Learn what adverse credit is, how long it lasts, and what it means for borrowing.

Can I get a credit card with a CCJ?
Find out whether you can get a credit card with a CCJ, what your options look like, and how to apply without damaging your credit score further.

What is open banking?
Open banking lets you securely share your bank data with regulated providers in the UK. Find out how it works.

Does applying for a credit card affect your credit score?
Find out how a credit card application affects your credit score in the UK and how to minimise impact.

What is a balance transfer on a credit card?
A balance transfer credit card allows you to move your balance from one or more existing credit cards to a new card. Find out how it works.

Does a balance transfer affect your credit score?
A balance transfer can improve your credit score if you use it to reduce your debt and lower your credit utilisation.

What are pre-approved credit cards?
Find out what pre-approved credit cards are, whether pre-approval guarantees acceptance, and how to check your eligibility.

8 tips to follow with your first credit card
Essential guide covering 8 credit card tips: number of applications, limits, utilisation, cash advances, and more.

What is a bad credit score?
A bad credit score means under 641 with Experian, under 439 with Equifax, or under 566 with TransUnion. Find out what these mean and what to do next.

What is an unsecured loan?
An unsecured loan lets you borrow without putting up an asset as security. Find out how they work and whether one could be right for you.

What is a guarantor loan?
A guarantor loan is backed by a second person who promises to repay if you can't. Find out how they work, who qualifies as a guarantor, and the risks.

Can I get a loan on Universal Credit?
Find out how government Budgeting Advances work, what lenders look for, and what to watch out for.

Loans for people on benefits: your options explained
Can you get a loan on benefits in the UK? This guide covers your options from interest-free government schemes to direct lenders.

Holiday Spending Hacks: The Best Value Destinations for 2026
New data reveals underrated destinations for 2026, covering the cheapest places to travel, popular destination dupes and more.

What is a credit card statement?
Your credit card statement is a monthly summary of what you owe and what you've spent. Here's what every section means and what to do with it.

How do credit cards work?
Discover what credit cards are, how they work, and how to use them responsibly to build credit.

How does credit card interest work?
Credit card interest builds daily on any unpaid balance. Find out how the rate is calculated, when interest starts, and how to avoid paying it.

Advantages and disadvantages of a credit card
Used smartly, credit cards can be a fantastic way to build a better financial future. Used poorly, they can work to your detriment.

What is a CVV number?
CVV (Card Verification Value) is the 3 or 4-digit security code unique to your physical credit or debit card.

What is a credit limit?
A credit limit is the maximum amount you can borrow on a credit card at any given time.

The cost to live as a single person in the UK
New data reveals the most and least affordable cities to live as a single person, and where the “singles tax” is hitting people the hardest.

How to pay off credit card debt
If you’re struggling to pay off your credit card debt, there are steps you can take to turn things around.

What is the minimum payment on a credit card?
Understand what the minimum payment is and how it's calculated.

How to balance transfer from Aqua Card to Zable
Learn how to transfer your balance from an Aqua credit card to Zable in a few simple steps.

Vote for Zable in the 2026 British Bank Awards
Vote Zable as the ‘Best Credit Card Provider’ at this year's British Bank Awards.

What is a good credit score?
Discover what counts as a good credit score in the UK across Experian, Equifax, and TransUnion.