zeezahbee:
No one will actually take me serious tho.

Sending mtn pin card for Yankee to naija

mbeenox:

They will accept n won't complain, and then they might deny u n u can't complain too....its always better to use a commercial bank

GboyegaD:


May I ask why it can't? Some of us have our FD with MfBs because they pay better interest this, if I choose to sponsor a relative, they have no choice than accept it because tey are licensed by CBN.

Folabii:


I choose the same course for my masters that's public administration I have been having hard times was interviewed twice.

warriboy21:
oyo o flight booking tins...emirate nde mwor

oya oya oya

pls is 5kdolls ok for me to take along as miscelenos..wud de alow me take it tru custom

zeezahbee:
You actually need to get a degree in economics or accounting, then get a job in an auditing firm . You can analyze and compare. Chaiii

worry357:

You are very naive!
Visa officers dont "have" to do anything.
They certainly dont have to accept micro finance banks ( history shows that they reject most applications with micro finance.)
Please don't insult us by quoting a corrupt organisation like CBN!

kobe79:


Sweetie,

if you have bin living"fine" and finding your way around without it. better RUN away from it.
if your priority is car and other stuffs in order of preference you better save save save( from whatever means) by december you should be able to comfortably pay for a cash car.

Dont get. meshed in the American gbese system!!!!!!!!!!!!!

credit card benefits doesnot outweigh a disciplined, cut to coat savings culture dont forget the way credit card ststem is run is "casino" addictive ( hope u understand that)
the real purchasing power lies in your securing a good job and staying financially disciplined!

People habitually on credit cards are not the "big men" the big boys are those with raw cash in the bank
no matter how "small"

stevecrun:
straight talk!!Wise people don't depend on credit to buy a car or a home..I like your writeup bro..

ttmacoy:
You do not use a credit card to buy a home or car, you use a credit card to build your credit history and score so you can get good rates on mortgages when you buy a home.

Sometimes event if you was to rent an apartment or get a job they would check your credit rating to see if you have financial discipline

kobe79:
@ bigfrancis..

it is not advisable to use credit cards to pay for petty tins.
it is actually a bad bad decision it doesn't build your credit at all
i know banks and credit institutions that can cancel terminate or deny u if all you do is run cards at 7 eleven, Starbucks, dollar general etc.

yea i know they want u to spend big so of course they remain in biz.

if feeding becomes an emergency i have to run credit om then wahala dey i for kukuma go buy food stamp from people whey dey sell their own. shuoooooo

the average wise American will rarely rarely run their card for items less than 20bucks.
cash or debit is wat is used.

there are many other ways to build credit enlighten us on thoserather than the above

DeeTus:
Bro, you're now sounding like one of the street niggas. If you was. Hahaha.

bigfrancis21:


$5,000 cash at hand is quite a lot of wad of money to be carrying about. $1000 to $1500 is ok for miscellaneous expenses and initial expenses during your flight and after you land here.

The maximum amount beyond which you should declare amount in possession is $10,000, as at when I travelled during my time. For any amount less than that, you are fine.

ttmacoy:

kobe79:
@ Francis

you are basically running round the circle and over flogging the poor lil fly
No law in the USA permits an employer to deny u employment based on ur "credit history"

During the boom the credit scheme started out to majorly focus on ailing and healthy businesses with a view to making the economy stronger.

lol when you said landlords, mortgage and auto coys solely reach a negative decision based on credit history!!!!
There is always a first time for everyone but getting a credit card is not a PaNaCea for owning a home or car etc.

If you need a home to build from scratch or an already built one or a car questions asked are far from if you have a credit card or not.

my questio to you is why do you think an intl student need a credit card? a student is here to study even thouhh we know they all would wanna adjust status in furure, if they dont have the raw cash there is no needstaying in buying a house when they just coming in who go approve am or a car? there are millions of students jumping buses and living in apts. and still doing fine.
i amnt Obama and dont wanna be him just like dia are millions of americans on credit card i repeat credit card tgat is ur argument( stay in it) dia are also millions without it

DeeTus:
Sorry bro, if you aren't happy with that. Sorry man.

DeeTus:
@Bigfrancis, CNN is just a cable news network. Having no credit card history does not make someone irresponsible.

Don't rely so much on CNN.

texrem:


how many hours flight?

isi4luv:
Good day house. I applied to about 4 schools for Masters in business administration and I was rejected because of my low GRE score of about 282. And GPA of 2.87/4.0 Please can someone tell me a school that can accept me with my GPA and GRE score for masters in business administration. I'll be bery grateful. Thank you

isi4luv:
Good day house. I applied to about 4 schools for Masters in business administration and I was rejected because of my low GRE score of about 282. And GPA of 2.87/4.0 Please can someone tell me a school that can accept me with my GPA and GRE score for masters in business administration. I'll be bery grateful. Thank you

masquellett:
Hello nairalanders and gurus in the house! I am hoping to get a graduate assistantship in a good university in the US, been doing my research but most schools are yet to return my mail. I studied computer science and Have already evaluated my GP with wes and had a 3.6/4.0. Pls I need suggestions on possible schools that I can apply to. Thanx in anticipation.

Cc: Bigfrancis, Amefrica et Al

ttmacoy:
Having no credit history does not make you irresponsible, but it means there is no universally accepted way to confirm you are responsible hence landlords etc will ask you a deposit from you. Even simple getting a phone contract they will ask you for a big deposit because the universally accepted way to confirm the credit worthiness of a person is via their credit history and score.

You do not need a credit card but it is a useful way to build your credit history. Even if it is a $300 credit card and you are spending $50 every month and clearing it up it builds history that this person pays his obligations as and when due.

mbeenox:


So basically, u build points by buying often and big with ur Credit card and repaying on time.

mbeenox:


Check the rankings of the schools u applied to, and select lower ranked schools, or write another GRE and Ace it. Get a score of above 300. Try ETSU or Texas A&M Kingsville

bigfrancis21:


With your GPA, you should be able to get an assistantship. Have you written the GRE? What's your score?

ikobionu:


Hi mbeenox, pls I'm applying to tamuk and i was sent a mail that they do not accept wes evaluation. I cannot start going through the stress of evaluating again plus the financial burden. Secondly i noticed they did not include letter of recommendation and statement of purpose as pary of the requirements for natural gas engineering. I find it hard to believe. Do u think it's possible. Abeg house help oh. I can't evaluate my transcript again. Anybody knows anyone in tamuk i can contact? Thank u

DeeTus:
A lot of drama is going on here. Bigfrancis is now sounding like a politician.

Francis, are you a Republican or Democrat?