Lexusgs430:


www.pistonheads.com

www.preloved.co.uk

obitryce:
I believe there's a recent outbreak of chicken pox in the UK cuz my eldest son just started showing signs of chicken pox last night and lucky for us a good friend just finished treating their son from the same ailment and brought over the remaining Calamine lotion they used and we started treatment on my son last night.

yemstico:
Thanks @solumtoya for your inputs. Please can you expantiate on the "be careful of the contract...." do you mean the housing contract or the job contract? So I can know how to roll up my sleeves. Do I pick gas heating over electric heating? Thanks allot for your time.

rubyio:


Not totally true.

You can do it.

NOTE: Currently studying in UK and I'm doing it. So, I know what I'm talking about

rubyio:


Not totally true.

You can do it.

NOTE: Currently studying in UK and I'm doing it. So, I know what I'm talking about

semmyk:
Congrats on your soft landing.
One will guess it's the housing contract. A relatively short one so that you can renew if it suits you or search for new ones: By then you'll have understand the system much more and got some records.
Generally gas, so indicate gas heating and smart metering.

Lexusgs430:



https://www.bluelightcard.co.uk/


https://www.costco.co.uk/membership

MJ01:
Please does flying through Amsterdam with KLM require COVID vaccination proof / test ?

nellaluv:
Iptv lovers and BBN fans I hope you're enjoying the two BBN channels for the two different houses. Premium package

Oga Lexusgs430 I thank you oo

Lexusgs430:
IPTV lovers, that don't want to watch BBN....... Can watch OWN (Oprah Winfrey network).........

yemstico:
Good evening great people of God. May God bless you and bless your husstles. Please I would like my Sabi people to help Torchlight on this matter as I be proper jjc.

I am moving to Coventry in 2 weeks time with my family of five on a tier 2 visa. Employer would assist in getting us accommodation while we pay. Please what are those things we should look out for in the rent terms. Is it wise to just pay for one month incase we need to move apartment or just stay put till we have gained a little ground?

Pls can someone who has lived in Coventry say something about the affordable areas and maybe a little advice as per settling down with family. Opening account, registering with GP etc.

I would have really loved if there is a little Coventry community one can familiarise with as it may be somewhat lonely in a new environment.

Thank you great people as you respond to my query.

Lexusgs430:
IPTV lovers, that don't want to watch BBN....... Can watch OWN (Oprah Winfrey network).........

rubyio:


Not totally true.

You can do it.

NOTE: Currently studying in UK and I'm doing it. So, I know what I'm talking about

seunoj:


Doing more than 20hrs, attending classes and doing all your assessment by yourself?

Tell us how u r doing it and your course of study

seunoj:


Doing more than 20hrs, attending classes and doing all your assessment by yourself?

Tell us how u r doing it and your course of study

Viruses:
Someone will ask you to please help him/her buy something in UK and help ship to Nigeria, after much consideration you will agree.

The person will na say you should please help him/her pay that they will pay you back. I don't understand o.

hustla:


Aspire to Perspire to aspire to Maguire

Viruses:

The you in you is the you that makes you the you that you are. All you need is believe in yourself

Solumtoya:
So Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.

Most folks here are trying to build Credit Score and to be very honest, CCs are the easiest way to do so. There are so many other ways, of course, and you should do them: Registering in the Electoral Register, Setting up Direct Debits for Utility Bills, Phone/SIM Contracts, etc but from experience since these are not Credit facilities, they may not boost your score as much as a CC.

The rules of CC usage are simple: ensure you pay at least the minimum balance (usually 10% of your usage as at the statement date). So if your cycle is 1st to 30th of every month, on the 30th, you get a statement saying you have used £2,000 and you are given a grace period (typically extra 14 to 23 days) to pay back 10% or more, and whatever balance is unpaid, interest will be charged to the card after the grace period. During this grace period, the next cycle has obviously started running. And the next month balance will sum of what you spent in the month, plus the unpaid balance from the previous month and the interest added. IF YOU DON'T PAY THIS MINIMUM, YOU HAVE DEFAULTED.

Now, the main reasons why CCs are a brilliant facility are evident:
1. Their Interest-free periods means you can use them without ever paying interests: to do this, you must pay everything in full as the interest only starts counting on the unpaid balance after the grace period. An exception is usually Cash Withdrawals, Interest on Cash Withdrawals start counting immediately. Another evil trick of Cash Withdrawal is usually that their interest is higher. There's another evil of Cash Withdrawals but it might be a little technical to explain in this post. Just avoid Cash Withdrawals if you don't want interest
2. CCs are revolving, meaning they are like Overdrafts, not Term Loans, so if I have a limit of £6k, when I spend it and repay, my full limit is re-instated, so I don’t need to re-apply (ever) unless I void the contract. 3. Rewards: Most CCs earn you Miles, Points, etc for usage and referrals.
4. Fees: Many CCs come with little or no extra fees to the Cardholder. I could go on and on.

So, pretty much, you can use your Debit Card for only Cash Withdrawal and use Cash for non-Card payments, while you use your CC for everything else and pay little or no interest while building your credit score.

Now, as beautiful as it sounds, in my 7 years as a Credit Card Product Manager, I have seen so many people wallow in heavy credit card debts. The truth is most humans are not just disciplined enough to handle such an allowance of funds. They deep their hands into it at the slightest opportunity and end up living above their means. CCs are very addictive so don't get a CC if you love to spend, the CC provider would love you and keep increasing your limit and you may land in a gloomy state: you earn just £2k monthly and are given a £6k CC, as you spend and spend, they keep increasing the limit and before you know it, you have a £20k CC fully spent on that Funeral you sponsored in Oshogbo and that trip to Turkey. How will you pay You break the card and start paying back £600 monthly, but that covers only the interest and the amount is NOT reducing every month. You realize you are stuck and have fallen for our trap and that is how we make our interest income and cover for those who are using the card wisely.

I'm sorry this post was really long, I even had to cut this short because I could go on and on about the benefits of CC (purchase protection, chargeback, acceptance, etc), the financially wise know this and hardly ever use Debit Cards but enjoy the benefits of a CC. The financially foolish use CCs to have fun for a few years or months and spend the rest of their lives as slaves to it. The choice is yours!

Osoderi:


Good evening, many thanks for this explanation. pls i need advice from you on credit card especially on American express CC. I recently opened one and credit of £1000 was given to me, i was planning to start using it. i just received a mail for overdue payment, i was surprised because i have not used it at all. I was told to make payment of.£25 and £975 left as remaining balance. i called them they said i did the one of annual payment, i need to be paying £25 yearly, i told them i never knew, but the lady said that she can switch me to the one that does not pay annual. please i am confused bc she gave me benefit of the both accounts but honestly i don't understand any terms she used, she said £10,000 will give me 1.2% honestly i don't understand. i am been careful not to fall for late payment. kindly advice me on the best one to use for my level, i am just trying to build up my credit. i can't be paying £25 every year. kindly advice bc it is urgent let me rectify this problem. kindly find attached pic . Many thanks for your response

Lexusgs430:



Since that nice lady offered you a switch and you don't want to pay £25 per year........

Tell the nice lady to hit the kill switch ..........

Late payments is a very bad stain on your credit file.......

Osoderi:


ok. Thank you. but do you know the benefits on American express card

Osoderi:


Good evening, many thanks for this explanation. Many thanks for your response

Lexusgs430:


Buy now, pay later ...........

Kannyman:


Hi,

Hope to be in the UK by September, please, suppose I have all my monies for all that I need to buy, must I still use CC so as to build a credit score?

Is it ok if,
I get the credit card, use it for purchases and transfer it back to the credit card account at the due date... Is it possible I use it like a normal debit card? i.e I spend only the money I already have?

T for tenks

onecoder:

I use this platinum everyday Cashback. No annual fee
https://www.americanexpress.com/uk/credit-cards/platinum-cashback-everyday-credit-card/

Kannyman:


Hi,

Hope to be in the UK by September, please, suppose I have all my monies for all that I need to buy,must I still use CC so as to build a credit score?

Is it ok if,
I get the credit card, use it for purchases and transfer it back to the credit card account at the due date... Is it possible I use it like a normal debit card? i.e I spend only the money I already have?

T for tenks

Owoado:
You can check Brockenhurst......it's a nice town though not bubbly like bigger towns. Just a train stop away from Southampton.

obalala:
First person i'm seeing on here moving to Southampton. Been here for over 6months and I can tell you accommodation aint easy. Try and get your company to sort an airbnb or hotel for at least 2 weeks while you search around for a place. Other than that its a chilling peaceful place.

rubyio:


Not totally true.

You can do it.

NOTE: Currently studying in UK and I'm doing it. So, I know what I'm talking about

claremont:


No. A credit card is just one of several credit instruments you can use to build a credit score. If you can afford not to have/use it, please don't. The careless acquisition and usage of credit cards has ruined the lives of several people.