Emily Tye

Does persistent debt affect your credit score?

Not directly, but the high balance behind persistent debt is often already affecting your credit score. Here's what does and doesn't reach your file.

Emily Tye

Aug 4, 2026

4 min read

Does being self-employed affect your credit score?

Being self-employed doesn't directly lower your credit score, but it can affect it indirectly. Here's what happens and how to protect your score.

Emily Tye

Aug 4, 2026

4 min read

Does changing address affect your credit score?

Changing your address doesn't directly affect your credit score, but moving can have knock-on effects. Here's what to watch.

Emily Tye

Aug 4, 2026

5 min read

Why is my credit score different on different sites?

There's no single credit score. See why yours differs across Experian, ClearScore and Credit Karma, and what actually counts when you apply.

Emily Tye

Aug 4, 2026

5 min read

Credit card acceptance rates in the UK: how many people are declined?

How many people are accepted or declined for a credit card in the UK? Zable analyses FCA, BoE and ONS data.

Emily Tye

Jul 28, 2026

6 min read

Do money transfers affect your credit score?

Sending money or transferring between accounts won't affect your credit score. But a money transfer credit card can.

Emily Tye

Jul 27, 2026

3 min read

Does opening a bank account affect your credit score?

Opening a bank account usually has little effect on your credit score, but overdrafts and multiple applications can. Here's what to know.

Emily Tye

Jul 16, 2026

4 min read

Does Klarna affect your credit score?

Using Klarna or Clearpay? Learn how Buy Now, Pay Later services affect your credit score and what to watch out for.

Emily Tye

Jul 15, 2026

5 min read

How Britain Eats: The UK’s Food Spending Habits Revealed

New data reveals the most shopped at supermarkets and fast food retailers, revealing Britain’s basket habits.

Emily Tye

Jul 15, 2026

4 min read

Does PayPal Credit affect your credit score?

PayPal Credit and Pay in 3 affect your credit score in different ways. Learn how each one can impact your credit score.

Emily Tye

Jul 15, 2026

4 min read

Credit card fees and charges explained

A clear guide to UK credit card fees and charges, what triggers each one,, and the simple ways to avoid paying them.

Emily Tye

Jul 14, 2026

6 min read

Do joint accounts affect your credit score?

Opening a joint account won't merge your credit scores, but it creates a financial link. Here's how it affects your credit file and how to break it.

Emily Tye

Jul 14, 2026

5 min read

Does Breathing Space affect your credit score?

Breathing Space isn't recorded on your credit file, but missed payments during it still are. Here's how the Debt Respite Scheme can affect your score.

Emily Tye

Jul 14, 2026

3 min read

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

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

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 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

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 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

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

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

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

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