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Emily Tye

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?
Depiction of paying credit card by direct debit

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.

Emily Tye

Emily Tye

Apr 22, 2026

Can you pay a credit card with another credit card?
Depiction of using one credit card to pay another

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.

Emily Tye

Emily Tye

Apr 17, 2026

What age can you get a credit card in the UK?
Credit card

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.

Emily Tye

Emily Tye

Apr 17, 2026

What is a credit card number?
Credit card with credit card number

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.

Emily Tye

Emily Tye

Apr 17, 2026

5 min read

What is adverse credit?
A credit score dial

What is adverse credit?

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

Emily Tye

Emily Tye

Apr 16, 2026

7 min read

Can I get a credit card with a CCJ?
CCJ file

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.

Emily Tye

Emily Tye

Apr 10, 2026

6 min read

What is open banking?
A depiction of open banking technology

What is open banking?

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

Emily Tye

Emily Tye

Apr 9, 2026

6 min read

Does applying for a credit card affect your credit score?
A credit score dial

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.

Emily Tye

Emily Tye

Apr 8, 2026

5 min read

What is a balance transfer on a credit card?
Two credit cards depicting a balance transfer

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.

Emily Tye

Emily Tye

Apr 1, 2026

4 min read

Does a balance transfer affect your credit score?
Two credit cards depicting a balance transfer

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.

Emily Tye

Emily Tye

Apr 1, 2026

5 min read

What are pre-approved credit cards?
Pre-approved credit card

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.

Emily Tye

Emily Tye

Mar 31, 2026

4 min read

8 tips to follow with your first credit card
an illustration of a man with his first credit card

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.

Emily Tye

Emily Tye

Mar 31, 2026

4 min read

What is a bad credit score?
A credit score dial

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.

Emily Tye

Emily Tye

Mar 31, 2026

5 min read

What is an unsecured loan?
An illustration of money and a certificate to depict a loan

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.

Emily Tye

Emily Tye

Mar 27, 2026

4 min read

What is a guarantor loan?
Two contracts depicting guarantor loans

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.

Emily Tye

Emily Tye

Mar 26, 2026

5 min read

Can I get a loan on Universal Credit?
Depiction of a loan

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.

Emily Tye

Emily Tye

Mar 26, 2026

3 min read

Loans for people on benefits: your options explained
Loans for people on benefits

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.

Emily Tye

Emily Tye

Mar 25, 2026

6 min read

Holiday Spending Hacks: The Best Value Destinations for 2026
Map of the world showing best value holiday destinations

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.

Emily Tye

Emily Tye

Mar 24, 2026

What is a credit card statement?
Credit card statement

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.

Emily Tye

Emily Tye

Mar 20, 2026

6 min read

How do credit cards work?
How do credit cards work?

How do credit cards work?

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

Emily Tye

Emily Tye

Mar 20, 2026

5 min read

How does credit card interest work?
How does credit card interest work?

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.

Emily Tye

Emily Tye

Mar 20, 2026

5 min read

Advantages and disadvantages of a credit card
An illustration showing a credit card, with a faint background showing common purchases

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.

Emily Tye

Emily Tye

Mar 13, 2026

3 min read

What is a CVV number?
What is a CVV number?

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.

Emily Tye

Emily Tye

Mar 13, 2026

2 min read

What is a credit limit?
Credit card

What is a credit limit?

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

Emily Tye

Emily Tye

Mar 12, 2026

5 min read

The cost to live as a single person in the UK
Woman holding a credit card statement

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.

Emily Tye

Emily Tye

Mar 2, 2026

How to pay off credit card debt
A man looking at credit card bills

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.

Emily Tye

Emily Tye

Feb 19, 2026

5 min read

What is the minimum payment on a credit card​?
What is the minimum payment on a credit card​?

What is the minimum payment on a credit card​?

Understand what the minimum payment is and how it's calculated.

Emily Tye

Emily Tye

Feb 17, 2026

3 min read

How to balance transfer from Aqua Card to Zable
Two credit cards depicting a balance transfer

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.

Emily Tye

Emily Tye

Feb 10, 2026

2 min read

Vote for Zable in the 2026 British Bank Awards
Zable winning trophy

Vote for Zable in the 2026 British Bank Awards

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

Emily Tye

Emily Tye

Feb 4, 2026

2 min read

What is a good credit score?
A credit score dial

What is a good credit score?

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

Emily Tye

Emily Tye

Jan 16, 2026

5 min read