Hayley Bevan

Senior Specialist at Aqua

Hayley has been part of the Aqua team since 2021. With a background in the retail industry, she brings valuable insight into customer behaviour, consumer trends and spending habits. In her articles, Hayley breaks down the basics of credit and explores how people manage their money in daily life - offering practical tips to help readers feel more confident about their finances.

Outside of work, Hayley channels her creativity into making hampers and gift boxes, combining her love for design and presentation.

Photo of Hayley Bevan

All Articles by Hayley Bevan

Page 3 of 6
Woman holding her credit card and phone
Understanding credit cards

Can you pay off a credit card with another cr...

Thinking about paying one credit card with another? Find out if it’s possible, how balance transfers work, and smar...

Published on October 31st, 20256 mins read
Author photo

Hayley Bevan

Man looking at his phone and credit card while sat in front of a laptop

8 reasons why your credit score has gone down

Wondering why your credit score is going down? Learn the most common reasons behind score drops, what you can do to...

Published on October 31st, 20256 mins read
Couple sat on the floor surrounded by packing boxes

What credit score do you need for a mortgage?

Learn what credit score you need for a mortgage in the UK, how it affects your mortgage options, and tips to improv...

Published on October 31st, 20257 mins read
Man and woman looking at a laptop while woman holding a credit card

The UK’s Subscription Service Spending in 202...

Aqua reveals Brits spend £786 a year on subscriptions. See how spending varies across the UK and get tips to track ...

Published on October 31st, 20256 mins read
Couple looking at bills in front of a laptop

Should you increase your credit card limit?

Looking to increase your credit card limit? Discover how to request an increase, what factors lenders consider, and...

Published on October 14th, 20254 mins read
Two people looking at a calculator and a laptop

How to pay off a credit card bill & should yo...

Confused about credit card payments? Find out how to clear your card's bill effectively, if overpaying is worthwhil...

Published on October 3rd, 20255 mins read
Woman using a calculator while looking at her laptop and paperwork

Financial Learnings and Mistakes 2025

New survey from Aqua reveals the UK’s biggest financial learnings and mistakes

Published on October 3rd, 202512 mins read
Husband and wife looking at their finances together

How overdrafts affect your credit score

Do overdrafts hurt your credit score? Understand the impact, what banks report to lenders, and how to manage your a...

Published on October 3rd, 20256 mins read
Woman looking at her phone and card in front of a laptop

Balance Transfers vs Personal Loans

Not sure whether to choose a balance transfer card or a personal loan? Learn the differences and how to pick the be...

Published on September 4th, 20256 mins read

Explore all topics

Click on the boxes below to read more content

Budgeting your money

Any topics you'd like us to cover? We're keen to find out! Please send your ideas to our Instagram.

Credit available only to UK residents aged 18 and over. Subject to status. Terms apply. The APR applicable to your account will depend on our assessment of your application. Credit score could increase with responsible account management.

aquacard logo
  • Credit cards
  • Credit cards for bad credit
  • Credit cards for building credit
  • The Aqua Classic credit card
  • Apply for a credit card
  • Balance transfer credit card
  • Contact us
  • Cookie policy
  • Privacy policy
  • About us
InstagramYouTubeTikTok
Download on the App StoreGet it on Google Play

NewDay Ltd is a member of the Finance and Leasing Association (FLA) and it subscribes to the FLA's Lending Code. Copies of the FLA's Lending Code can be obtained from www.fla.org.uk

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.

Google Pay is a trademark of Google LLC.

© NewDay Ltd. 2026