Yeah I have Starling for withdrawing cashish abroad, Lloydsy basic for my current account which I get my salary in and withdraw UK cashish, Halifax Clarity Mastercard for the few places in the UK that don't accept Amex and foreign transactions, and Amex Platinum local.

It's amazing the difference in competition, most US cards are foreign transaction free, while in the UK there are very few!

Given I keep no money in my current account (hello marcus) and live off credit cards which I pay in full each month, Experian and Equifax think I am very over-leveraged and my credit rating is not that high = )

Credit scores are a joke seriously, they have no idea how much money I have or don't have!