How does the 2-4-6 timescales affect cheques paid in to my credit card or loan account?
The 2-4-6 timescales only apply to cheques paid in to your current or basic bank account. The 2-6-6 changes apply to savings accounts. Credit cards and loans are the subject of credit agreements rather than accounts used for money transmissions services so they aren't affected by the 2-4-6 changes.