Amy Lancashire
Compliance Monitoring Officer
Amy is Compliance Monitoring Officer at Lendable, where she has worked for three years. She holds an undergraduate law degree from Keele University and a master’s in law from the University of the West of England – qualifications that trained her to read and apply regulatory frameworks precisely. She spent several years as a legal advisor and paralegal before moving into financial services compliance. She reviews Zable content to ensure it meets FCA financial promotions standards and is accurate for readers.
"Accuracy in financial content really matters. When someone is making a decision about credit, they need to be able to trust what they're reading. My job is to make sure everything on Zable is not only clear, but legally sound and compliant with the rules that are there to protect consumers."
Articles reviewed by Amy
What is a money transfer credit card?
A money transfer credit card moves cash from your credit card to your bank account. Learn how it works.
Emily Tye
Jul 13, 2026
5 min read
Do declined payments affect your credit score?
A declined payment won't affect your credit score on its own, but the reason behind it sometimes can. Here's what does and doesn't reach your file.
Emily Tye
Jul 8, 2026
4 min read
How to avoid interest on a credit card
Learn how to avoid interest on a credit card by paying your statement balance in full and using the interest-free period.
Emily Tye
Jul 8, 2026
4 min read
How to switch credit cards
Thinking of switching credit cards? Learn how to switch, how it affects your credit score, and whether to keep or close your old card.
Emily Tye
Jul 8, 2026
6 min read
Does a debt management plan affect your credit score?
A DMP itself doesn't appear on your file, but it usually lowers your credit score. Here's how it happens.
Emily Tye
Jul 3, 2026
5 min read
What is debt consolidation?
Debt consolidation combines several debts into one monthly payment. Learn more about how it works.
Joe Towner
Jul 2, 2026
9 min read
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
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
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
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
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
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
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 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
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 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
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
Can I get a loan if I'm self-employed?
Being self-employed doesn't disqualify you from getting a loan in the UK. Here's what lenders look for and the options available.
Joe Towner
Jun 9, 2026
6 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
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
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
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
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