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
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
Jun 25, 2026
5 min read
Does Universal Credit affect your credit score?
Universal Credit doesn't appear on your credit file or affect your score. Find out what could have an indirect impact.
Emily Tye
Jun 25, 2026
3 min read
Does increasing your credit limit affect your credit score?
A credit limit increase can boost your score by lowering your utilisation ratio, but the type of credit check matters. Here's how it works.
Emily Tye
Jun 25, 2026
5 min read
Can I use my credit card abroad?
Find out how to use a credit card abroad, what fees to watch for, and how to avoid dynamic currency conversion.
Emily Tye
Jun 22, 2026
4 min read
Can you withdraw cash from a credit card?
Cash advances from credit cards can be a costly solution.
Emily Tye
Jun 18, 2026
3 min read
Does a balance transfer count as a payment?
A balance transfer does count as a payment on the card you're paying off. On your new card, minimum monthly payments still apply throughout the deal.
Emily Tye
Jun 18, 2026
3 min read
Can I keep transferring credit card balances?
There's no legal limit on how many times you can transfer a credit card balance, but fees, hard credit checks and lender rules make it harder.
Emily Tye
Jun 18, 2026
3 min read
The difference between a money transfer and a balance transfer
A balance transfer moves credit card debt to a new card. A money transfer sends cash to your bank account. Learn how the two differ.
Emily Tye
Jun 17, 2026
3 min read
What is a credit utilisation ratio?
Your credit utilisation ratio is the percentage of available credit you're using. Learn how to calculate it and keep it healthy.
Emily Tye
Jun 16, 2026
2 min read
Why can't I get a credit card?
Been declined for a credit card? Find out the most common reasons applications are refused and the practical steps you can take.
Emily Tye
Jun 16, 2026
6 min read
Does gambling affect your credit score?
Gambling doesn't directly affect your credit score, but it can cause real indirect damage. Here's what lenders see.
Emily Tye
Jun 16, 2026
4 min read
How to cancel a credit card
Want to close your credit card account? Follow these 6 steps to cancel a card safely, avoid credit score damage, and keep your finances on track.
Emily Tye
Jun 12, 2026
5 min read
What happens to your old credit card after a balance transfer?
Your old credit card stays open after a balance transfer. This guide covers whether to cancel it, and how your decision affects your credit score.
Emily Tye
Jun 12, 2026
4 min read
Zable vs Aqua Credit Card
Comparing Aqua to the Zable credit card? Find out which credit card is right for you.
Emily Tye
Jun 11, 2026
2 min read
Does being on the electoral roll affect your credit score?
Registering on the electoral roll can boost your credit score. Find out how much it helps, how long it takes, and what to do if you can't register.
Emily Tye
Jun 11, 2026
4 min read
Zable vs Capital One
Comparing Capital One to the Zable credit card? Find out which credit card is right for you.
Emily Tye
Jun 11, 2026
2 min read
Zable vs Vanquis
Comparing Vaquis to the Zable credit card? Find out which credit card is right for you.
Emily Tye
Jun 11, 2026
2 min read
Does an overdraft affect your credit score?
An overdraft can help or hurt your credit score depending on how you use it. Find out what lenders see and what to watch out for.
Emily Tye
May 29, 2026
5 min read
APR vs interest rate: what's the difference?
The interest rate is the base cost of borrowing. APR includes interest plus any fees. Learn which to use and how to find your rate.
Emily Tye
May 29, 2026
4 min read
Can you pay bills with a credit card?
Many UK household bills can be paid by credit card. Find out which ones qualify, whether it costs extra and the key risks to know before you start.
Emily Tye
May 28, 2026
5 min read
Do direct debits affect your credit score?
Direct debits don't appear on your credit file, but they can still influence your score. Here's how they help and when they can hurt.
Emily Tye
May 28, 2026
5 min read
What affects your credit score?
Your payment history, credit utilisation and hard searches all affect your credit score. Here's a clear guide to every factor.
Emily Tye
May 28, 2026
7 min read
How long does it take to get a credit card?
Getting a credit card can take minutes or weeks, depending on the lender and your application. Find out what affects the timeline.
Emily Tye
May 21, 2026
4 min read
What is APR on a credit card?
Confused about APR? Learn what APR means, how it affects your credit card costs, and how to avoid interest by managing repayments smartly.
Emily Tye
May 21, 2026
5 min read
Vote for Zable in the 2026 Consumer Credit Awards
Vote Zable as the 'Best Credit Building Product Provider' at this year's British Bank Awards.
Emily Tye
May 21, 2026
Iceflation: The cost of an ice cream at seaside locations across the UK in 2026
New research has analysed the rising cost of seaside ice creams across the UK.
Emily Tye
May 20, 2026
The Cost of Bad Advice
New data reveals how many Brits are seeking non-regulated financial advice, and how this can lead to real financial consequences.
Emily Tye
May 14, 2026
How long do defaults stay on your credit file?
A default stays on your credit file for 6 years from the date it was first registered. Find out what that means for your borrowing.
Emily Tye
May 14, 2026
5 min read
What is an IVA?
An IVA is a formal debt solution that stays on your credit file for 6 years. Find out how it affects your credit score.
Emily Tye
May 13, 2026
7 min read
What is a credit card balance?
Learn what a credit card balance is, what it includes, and how your balance affects your credit score.
Emily Tye
May 8, 2026
4 min read