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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 3) (542258 Views)
Living In The Uk-life Of An Immigrant (part 2) / 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 3) by bigtt76(f): 6:31am On Jun 11, 2023 |
Why would you think it is statistically improbable? Do you know everyone's debt appetite? Or do you think most people with credit card spend all their limit and more than they could actually afford to pay off their pocket? If you can't afford to pay yours in full why should it bother or be suspicious to you when someone who does mentions it? I don't understand you people's thought process really and that's why other country nationals are thriving better than we do as a community. koonbey: 7 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by dupyshoo: 6:32am On Jun 11, 2023 |
As everyone has said there is no stigma in assessing SLP. Your son will only get more support which will help him. This is from personal experience. Joyfuljoyful: 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 6:35am On Jun 11, 2023 |
And how's that an issue if they could afford to do that and you can't? You need to grow out of this childish habit of trying to gaslight people into thinking your own way, very poor and ghetto mentality. Everyone is different from you or your habit. If you have a CC limit of £8000 and you chose to spend all and pay monthly £1 that's entirely your business. It shouldn't prick you if I have a limit of £1000 and spend only £200 out of it but pay in full ....nonsense Tier4Dependant: 9 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by dupyshoo: 6:37am On Jun 11, 2023 |
My thoughts exactly!! They are doing exactly the same thing they are claiming people are doing; over generalisation. bigtt76: |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jcole123: 6:50am On Jun 11, 2023 |
Hi guys, Please what is the best way to prepare for the UK driving theory test. Is there any material, youtube channel, website or application? I have already downloaded the 4 in 1 theory app though and my test is in 2 weeks time |
Re: Living In The Uk-life Of An Immigrant (part 3) by AKALAMAGBO: 7:24am On Jun 11, 2023 |
Na everyday fight dey erupt for this lovely thread!! Who do we offend like this 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by justwise(m): 7:25am On Jun 11, 2023 |
Tier4Dependant: Yes i'm seriously seriously asking that question and yes i have gone back to read that CC discussion hence my question 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Temi231(f): 7:34am On Jun 11, 2023 |
Jcole123: 4 in 1 should be enough for you. Study it back to back and you will be fine. All the best 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by dupyshoo: 7:44am On Jun 11, 2023 |
Hehehe AKALAMAGBO: |
Re: Living In The Uk-life Of An Immigrant (part 3) by igbsam(m): 8:09am On Jun 11, 2023 |
I am still in need of kpomo shipping plug from Lagos to Manchester. Please if you've got one, kindly recommend to me. Thanks in advance 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by kwakudtraveller(m): 8:38am On Jun 11, 2023 |
Santa2:I’m on this table, I was so proud of myself that I took a screen shot. My credit score is even low because I’ve recently moved and I got another CC but I’m not bothered because when it’s time to apply for mortgage, my clean streak of payments would be beneficial. 1 Like
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Re: Living In The Uk-life Of An Immigrant (part 3) by kwakudtraveller(m): 8:46am On Jun 11, 2023 |
bigtt76:The problem is people on this thread like to Project too much. Because them no dey pay in full, them think say others are like them. Because they earn within a certain tax bracket, they expect that others would earn within that tax bracket. We all live different lives, and comments like his discourage people from being open. He needs to grow up. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Tier4Dependant: 8:58am On Jun 11, 2023 |
Y’all continue living in your world of fantasies. Una go dey alright Drops Mic 🎤 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by AKALAMAGBO: 9:07am On Jun 11, 2023 |
Bro no dey deceive urself, realities are different. People’s living condition are not the same, because you can’t pay in full doesn’t mean everyone else can’t… No be everybody get COVID that year when e dey do people strong thing… I pay mine in full before the direct debit date just so you know, and I have a combined total credit card of £8,000 on 2 cards ( Amex and Aqua)… Tier4Dependant: 6 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by kwakudtraveller(m): 9:08am On Jun 11, 2023 |
Jcole123:I combined the tests from the 4 in 1 theory app with random test sites on google. I noticed that some of the questions on google came up as well during the test. 3 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 3) by kwakudtraveller(m): 9:14am On Jun 11, 2023 |
AKALAMAGBO:Just leave am. People like him are stuck in their ways and will never agree that they are wrong. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by SamReinvented: 9:15am On Jun 11, 2023 |
koonbey: It’s not rocket science to pay off credit cards in full every month. If you are living within your means, it’s the easiest habit to have. It actually won’t be surprising for me if most Nigerians abroad pay off their credit cards monthly - we grew up in a society that holds a mindset of “saving to spend” and avoiding debt. NB: I also pay off my personal credit card every month. See the summary of my last statement below. So you can add me to the list you’re curating 2 Likes
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Re: Living In The Uk-life Of An Immigrant (part 3) by Solumtoya: 9:27am On Jun 11, 2023 |
AKALAMAGBO: It's so sad to see how people think. While some are taking notes and learning from others' experience. Some people are having some type of complex and convincing themselves that those experiences are lies. I'm glad it's just one or two dudes anyway, so most other folks probably take the info shared here with a clearer heart. 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by deept(m): 9:32am On Jun 11, 2023 |
SamReinvented: make me sef join the league of people who pay off their credit card every month. I don't require a credit card to live my life, I use it because of the benefits that come with using it and im sure some of my other colleagues here do. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 9:49am On Jun 11, 2023 |
AKALAMAGBO: The guy just dey cry over nothing I have a £1,000 limit, I spend what I want (within my own reasonable limits) and before the statement due date comes, I make sure I pay everything and leave £70 - £90 max to be take in full via direct debit All, I have learnt from this thread and some small Youtube videos and I am sure to tell everyone who has used my link to apply offline to practice the same method. Spend only what you have or dont spend it at all, very simple concept I do not understand why he thinks the concept is hard or why he is triggered 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 9:50am On Jun 11, 2023 |
deept: Sexy buyer protection, Avios and excellent customer service from Amex 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 9:52am On Jun 11, 2023 |
Solumtoya: No lies detected 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Tier4Dependant: 9:59am On Jun 11, 2023 |
Tier4Dependant: |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 10:00am On Jun 11, 2023 |
Tier4Dependant: SMH |
Re: Living In The Uk-life Of An Immigrant (part 3) by Nobody: 10:19am On Jun 11, 2023 |
dupyshoo: Not really. 1. It’s not overgeneralisation to point out that if in the broader UK market a large proportion do not pay off their credit cards in full every month -https://www.forbes.com/uk/advisor/credit-cards/brits-understanding-credit-cards/ , but here everyone apparently does, it means one of two things: that some people are lying or the people here are a statistical outlier. Outliers are, by definition, uncommon, so it’s the less probable reason, from a purely logical standpoint, despite all the righteous outrage everyone is displaying. 2. I genuinely don’t understand why everyone has their panties in a wad over this. It was purely a tongue-in-cheek comment and very clearly a joke. I found it funny when it was posted and the only reason I responded was to clarify that it was indeed just a joke when it seemed someone was taking it too seriously. The ONLY reason why the credit card thing jumped out at me was because so many people keep pushing credit card referral links and emphasing how it’s straightforward and you just pay in full every month and all. My assessment is that many newbies jump into getting credit cards and accumulate debt just because it’s so easy to do in this country, and the stats bear me out that in reality most people do NOT, in fact, clear their debts every month. But apparently I don buy market like that and now people are saying I’m jealous because I cannot pay mine in full 😹. If I was a cynic I’d say the prickly responses indicates something but I’m not so I’ll leave it there. Make una no vex abeg. This is me surrendering to the might of payers-in-full. I no dey debate too much unless I’m being paid to abeg so let’s just leave it there. 5 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Joyfuljoyful: 10:24am On Jun 11, 2023 |
Okay. Thanks alot. dupyshoo: |
Re: Living In The Uk-life Of An Immigrant (part 3) by kwakudtraveller(m): 10:24am On Jun 11, 2023 |
koonbey:Point out based on facts or your assumption? Even if we did a poll here, people would still assume that everyone is capping. |
Re: Living In The Uk-life Of An Immigrant (part 3) by kwakudtraveller(m): 10:25am On Jun 11, 2023 |
Solumtoya:You have said it all. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Joyfuljoyful: 10:31am On Jun 11, 2023 |
Thank you so mhch. I'm taking notes. LagosismyHome: |
Re: Living In The Uk-life Of An Immigrant (part 3) by AgentXxx(m): 10:43am On Jun 11, 2023 |
Hello there, I will suggest you download this App “Speech Blubs” and let him access it frequently. It worked well for my daughter, hopefully should do the same for yours. Cheers! Joyfuljoyful: 6 Likes 3 Shares |
Re: Living In The Uk-life Of An Immigrant (part 3) by Nobody: 10:47am On Jun 11, 2023 |
kwakudtraveller: Statistics. Q1 this year household credit card debt burden in the UK soared to the highest level in 2 decades - https://amp.theguardian.com/business/2023/jan/04/uk-credit-card-borrowing-soars-to-highest-monthly-level-since-2004 There was a recent BoE report as well for anyone who’s interested. My entire point is not that it’s impossible. It is. I’ve done it since I was a student not to speak of now, and I have significantly higher than average limits as well, though I mostly use a corporate card on a monthly basis. The point is not about attacking anyone. I don’t know anyone here and couldn’t care less if anyone pays or doesn’t pay in full. Ewo ni témí? If anything, the bias I have is that I believe people need to be more cautious in accessing credit here. I personally think it’s way too easy to access (consumer) credit here and my line of work I see lots of situations where people think it’ll be straightforward and it turns out horrendously wrong instead. Anyone can get angry or say I don't pay mine in full if they want, but my point that it's statistically likely that a person will end up in a debt spiral remains valid and I maintain that, for no other reason than so people can be aware of the reality of things. 'My case is different' is not financial strategy. |
Re: Living In The Uk-life Of An Immigrant (part 3) by Joyfuljoyful: 10:52am On Jun 11, 2023 |
Oh my goodness! This is exactly what is happening! Just those consonants he can't pronounce well. Exactly what we encounter and I have been over stressing on it. Will take your advice.I am very grateful for this breakdown. We will sign the form then. Thank you so much! giselle237: 1 Like |
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