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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1307852 Views)
Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
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Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 9:13am On Jul 19, 2022 |
hustla:I don't have any information on that. I think people setup direct debits to pay minimum balance. If you pay it off at once, no need to setup direct debit. Credit card companies would suggest you pay like 10% of your debt as minimum. So, if you owe £240. You may be required to pay £25 as minimum each month. That means, it will take you 10months to completely pay off and an extra £60 in credit card companies pocket. That's why you want to pay off as much as possible. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Sassy256(f): 9:35am On Jul 19, 2022 |
Sassy256:Help Please. |
Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 9:36am On Jul 19, 2022 |
onecoder: Very apt.... |
Re: Living In The Uk-life Of An Immigrant (part 2) by jumpshot: 9:36am On Jul 19, 2022 |
jumpshot: Someone please answer. Is there any remedy because me I no get money to pay for another visa. |
Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 9:38am On Jul 19, 2022 |
hustla: It does not matter, it's better to use direct debit to avoid forgetting the payment. Also make sure your bank account is well funded before the debit date. |
Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 9:40am On Jul 19, 2022 |
jumpshot: I think you can ask them to correct it on your biometrics date...... 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 9:43am On Jul 19, 2022 |
onecoder: It's always wise to set up direct debit to pay off your complete balance every month to avoid paying anything extra to the credit card company . 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by CheesyTee(f): 11:06am On Jul 19, 2022 |
mwenhen: Hello boss. Any news from UKVI? Still waiting here too... mine is now 18 weeks since biometric |
Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 11:07am On Jul 19, 2022 |
I said on one other thread - Master's degree in the UK is all about research and individual work, the lecturers only guide you through the process. When you heard about the council flats, the ideal thing to have done is look through your student visa terms and conditions before dabbling into it despite voices advising you to go for it. Always weigh your decision on both sides of the coin not one sided. I agree with you that some Nigerians abroad may be deceptive but not all. Always weigh things before you take a decision on hearsay. Your reality may be different from the other person. One love peeps Sinchester: 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by jadepinkett(f): 11:16am On Jul 19, 2022 |
jum33: First off, if you are yet to sign up, please use my code: https://americanexpress.com/en-gb/referral/cHINWN7Jmu?XL=MNANS To answer your question, I use Amex for my daily expenses, but also make sure I monitor it. So if my budget for the month is £100, I set up a direct debit from any of my account for that £100, and use my Amex to buy things. If somehow, I exceed my budget, then after the direct debit is done, I'd pay the balance as I usually have 7 days after my direct debit before interest kicks in. I do not use it for massive purchases that I cannot afford (use PayPal pay in three for those) I also do not use up to 30% monthly (because... you wan wreck me?? ) This has not affected my credit score in any way (but then I'm only about 3 months in). On the contrary, my credit reading has gone from Amber to a solid green, so I must be doing something right . I hope I have answered you... the benefits are cool too, just like the avios points you rake. Sure helps when buying a ticket 6 Likes 5 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by Newbie123: 11:18am On Jul 19, 2022 |
Santa2: Thanks. Please has any student used IHS for eye services? Is it completely free please? |
Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 11:23am On Jul 19, 2022 |
Only works for EEA family members zxxtx: |
Re: Living In The Uk-life Of An Immigrant (part 2) by KOVIC19COVID20: 11:59am On Jul 19, 2022 |
Newbie123: If you mean Opticians, like Boots or vision express or Specsavers, then the answer is: You pay if you are an adult. If they refer you to spscialist, then yes that can be on the NHS (including surgeries). #ThatIsMyPersonalExperience. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by icon8: 12:18pm On Jul 19, 2022 |
Just dropping this here before someone comes back to cry about Naija people being wicked and leading them astray - why would you even allow yourself to be led astray? You see that credit card bandwagon you people are joining like kids in a candy store? That is the surest destiny killer in this part of the world. Unless you are financially savvy and properly disciplined, I would destroy that plastic today, if I were you - to avoid premium tears. I know some have given this advice in the past, but it hasn’t stopped the craze from taking roots on this thread. That’s okay, just don’t come back here to tar everyone with the same brush when you burn your fingers - trust me, some will get their fingers badly burnt (no be wickedness or ill will, the fact speaks for itself!) PS: having a credit card is the best thing after bread and butter - who no like awoof? Infact, I have a couple myself. However, like swimming, you just don’t jump into the pool one day without adequate lessons, nor will you just start driving a car on the motorway without sufficient practice. It hardly ends well. You are better served taking your time to understand the system before exposing yourself to credit and all its potential woes. But what do I know? Me wey be say na ori olori I dey use Enough said, let me come and be going. 19 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by Amarathripple0: 12:32pm On Jul 19, 2022 |
Sassy256: Access bank and it takes about 30 days I believe. You can request for maintenance/upkeep through Form A on https://www.tradesystem.gov.ng/landing/index.html You would need to upload a series of documents including your approval to debit account letter, admission letter, telex copy of previously paid fees, passport data page, Bsc cert, upkeep breakdown from your university, Visa page and a few other documents, I can’t remember because I did mine a while back. Be sure to check your emails for updates as they may ask you to upload documents, if that is the case then you’ll have to do the process all over again until they approve it |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:38pm On Jul 19, 2022 |
icon8: Very true ......... Credit cards maxed out vs job loss ...... CCJ loading......... What do we know, we go just bail, how den wan catch us, when nah ori o lori we dey use ........ Credit card = Debt card..... Know this and know piss (abi na peas or peace)............ 7 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by icon8: 12:48pm On Jul 19, 2022 |
Lexusgs430: I am sure many cardholders don’t even know what CCJ means, or its ramifications for the card they are holding. The nature of the questions I see here, supposedly from those who are already using CCs, is mind blowing. Shouldn’t the in-depth research precede the application? To me, learning from personal experience could be very costly. But again, what do we know? Lol 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 1:27pm On Jul 19, 2022 |
icon8: Una so-called elders don come again, abi? Dishing out advice of variable quality to mislead recent immigrants about credit cards. Make una repent o. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 1:49pm On Jul 19, 2022 |
icon8: Questions like withdrawing £2000, from credit card ........ We the illegals would continually look from the sidelines........... 7 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by icon8: 1:50pm On Jul 19, 2022 |
TheGuyFromHR: Haha my oga, sometimes you just have to speak the truth and dare the consequences. Of course, my unsolicited advice does not apply to every recent arrival, as a lot of them are already managing CCs even back home - those will have no issue, as it is not a new phenomenon to them, and they won’t mistake the money for free money 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 1:51pm On Jul 19, 2022 |
TheGuyFromHR: Agba kin wan lojaa, ko ri ori omotuntun won nile ......... I try o ........ My cassava and àgbàdo, never mature. ........ 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by icon8: 1:55pm On Jul 19, 2022 |
Lexusgs430: Lol imagine that |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 2:06pm On Jul 19, 2022 |
Lexusgs430: Even me wey dey more stable than you as I dey UK on a Tier 2 visa shock as well o. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 2:15pm On Jul 19, 2022 |
icon8: I had a cc back home. No such thing as DDs, I was using a standing instruction to pay off and keeping an eye on my expenditure. Once I travelled and swiped the card a few times while away. Came back and the exchange rate I thought I was spending at turned out not to be what the bank decided it would be (I used to work in a bank from the late 90s to early 00s and I thought I was familiar with all the banks' tricks as regards exchange rates, fees and all that, but apparently and sadly my knowledge was out of date), and long story short I overran my standing instruction amount and incurred interest (I did get a sort of reminder, but forgot, was a busy time at work at the time, we were doing what we are known for, retrenching people and employees were probably casting and binding us, who knows). I exchanged a few broadsides with the bank about how their exchange rate wasn't what was expected, where did they conjure all those fees upon fees from, bla bla bla, they held firm, and to save my blood pressure, I just paid all the interest and closed the cc. My point is that managing a cc in Naija takes some effort on one's part. Credit limits are a joke, and the bank would have carefully monitored/checked one's income before allowing you one. Here, all is made easy, so it's easier to mess things up and having a cc back in Naija doesn't compare in all aspects. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by icon8: 2:31pm On Jul 19, 2022 |
TheGuyFromHR: You are spot on. But again, like driving, I am of the opinion that driving back home should at least take care of the ability to drive. What is left, is to forget all the bad habit and learn the good ones required to drive here. The practical knowledge should be there already, what remains is to brush up the theoretical knowledge and learn to be disciplined. However, what works for A may not necessarily work for B, and there are some in the school of thought that it is easier to come here without the old Naija driving habits, and start here on a clean slate - as old habits die hard In any case, a very good knowledge of CCs is essential before applying for one - to avoid stories that touch. 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 3:47pm On Jul 19, 2022 |
icon8: Right you are. |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 3:49pm On Jul 19, 2022 |
Newbie123: Only in Scotland. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 4:12pm On Jul 19, 2022 |
Lexusgs430: How person go withdraw with CC? Maximum online usage in a month is 20% for anyone and its should be already in the user bank account to pay back full via direct debit.... |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 4:23pm On Jul 19, 2022 |
icon8: Instead of writing stuff out like this, why not educate us about what CCJs are? Yet to get a CC btw but I like learning how things work in advance and weigh decisions for up to a year before diving into it 5 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 4:29pm On Jul 19, 2022 |
TheGuyFromHR: You stable pass stable coin ........ USDT got nothing on you ........ 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by icon8: 4:30pm On Jul 19, 2022 |
hustla: The bolded is not good enough. Good choice on taking your time though. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 4:37pm On Jul 19, 2022 |
icon8: K |
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