No 1 is a best practice but there are many other factors that determine your credit score. For example, the type of credit you hold (short vs long term) also plays a role.
Credit utilisation is calculated across all your cards. So it'll be (spend on X + spend on Y)/total credit limit.

RalphJean:
Hello Guys, Here is my Credit Card-related question:
What does total Credit mean?
1. It is an 'unwritten rule' and Best practice to keep spendings to around 30% of total credit yes?
2. If I have two cards: X (credit limit £1000) and Y (Credit Limit £1500). If I use £1000 from card Y, and £0 from card X. Would this amount to me utilizing too much? One thing I am sure is that I will ALWAYS pay every single kobo by the end of the month.

in the example above, when my credit score is being calculated, would it be that I have utilized (1000/1500)*100 = 66.7% of Credit (on card Y)
or
I have utilized (1000/2500)*100 = 40% of credits available (cards X and Y)?

Help a brother.

I want to build a solid credit history please..

dustydee:

Most HR personnel I know do not have bachelor's and one in my company then was sponsored for her masters. That is not to say doing a masters is useless. The UK financial sector isn't very vibrant at the moment with Brexit looming but given a choice I will go for the latter as with that I can still move into HR if I cannot get into finance. If you have the money, go for an MBA or MIM from a decent school.

Thank you, Sire

hello gurus in the thread, i want to ask a question dont know if someone met have asked same here, can i be able to search for job and work with my standard visitor visa.

Green4:
hello gurus in the thread, i want to ask a question dont know if someone met have asked same here, can i be able to search for job and work with my standard visitor visa.

To work in the UK you need to apply for a work visa.

A visit visa ISAs the name implies, for those planing to visit the UK for leisure, family visit etc. As such you can't work while having a visit visa

Green4:
hello gurus in the thread, i want to ask a question dont know if someone met have asked same here, can i be able to search for job and work with my standard visitor visa.

Ask your question here don't have access to the email

...

Fam! Anyone in-house who has successfully switched from Tier 5 to either Tier 2 or Tier 1 (Talent Cadre)?

Please signify so I can PM you with immediate alacrity and lovingly pick your brain. Thank you

Aunty I.
Switched to tier 2

Mamatukwas:
Fam! Anyone in-house who has successfully switched from Tier 5 to either Tier 2 or Tier 1 (Talent Cadre)?

Please signify so I can PM you with immediate alacrity and lovingly pick your brain. Thank you

Good evening everyone

Please I am in search of accommodation,
I need someone that can accommodate me in Birmingham
Anybody living in Birmingham City, close to Birmingham Uni please

Hello house,
Any money exchangers in the house? Wanna send some money to Naija account while I send pounds to your UK account.

ab4m:
Hello house,
Any money exchangers in the house? Wanna send some money to Naija account while I send pounds to your UK account.

For this route of transfer, you can use either Azimo or Worldremit.......

Compare rates, then select the best option........

Uglyduckling:
Aunty I.
Switched to tier 2

Sanu jare. PMing you in a bit. Thank you.

AdaUK:
She will first do HCA training then apply for a job.
After few months of experience she can apply for Nursing school and then follow it up

Is this without being a science student?

Lexusgs430:


For this route of transfer, you can use either Azimo or Worldremit.......

Compare rates, then select the best option........

Educate me on this boss. Are these softwares?

sgtponzihater1:


Is this without being a science student?

Be very careful in the context, in your mentioning of science student...........

sgtponzihater1:


Educate me on this boss. Are these softwares?

Nope...... Apps used for money transfer services.........

Lexusgs430:


Be very careful in the context, in your mentioning of science student...........

Lexusgs430:


Nope...... Apps used for money transfer services.........

Hope these Azimo thing is not risky, as in them no fit run away with person money?

sgtponzihater1:


Hope these Azimo thing is not risky, as in them no fit run away with person money?

Safe....

Very safe. Get a referral from oga lexus and you'd even get 10 pounds off your transfer.

sgtponzihater1:


Hope these Azimo thing is not risky, as in them no fit run away with person money?

sgtponzihater1:


Is this without being a science student?

Yes but you need some certification course and then foundation course

AdaUK:

Yes but you need some certification course and then foundation course

Perfect. I didn't know this.

Any reference or detailed explanation I can read on this pls

Kolping:



https://www.rt.com/uk/469354-british-primary-schools-manual/

Yepaaaaaa.....
They want to teach our children the science of Wanking?
To groom the next generation of wankers?
Bloody fucking hell...

RalphJean:




Yepaaaaaa.....
They want to teach our children the science of Wanking?
To groom the next generation of wankers?
Bloody fucking hell...

Soapy generation........

Thomas cook, is now well & truly cooked......

In Aberdeen for the week. Anyone wanna hang is welcomed.

Good club recommendations too.

Very safe and efficient.

sgtponzihater1:


Hope these Azimo thing is not risky, as in them no fit run away with person money?

Inkredible:
In Aberdeen for the week. Anyone wanna hang is welcomed.

Good club recommendations too.

Annual leave don start?

gratefulme40:



Annual leave don start?

Yes o.

I Dey Lerwick now sef. Headed off to Aberdeen tonight.

Kolping:



https://www.rt.com/uk/469354-british-primary-schools-manual/

No wonder I received a memo from school about this on Friday.
The thing didn't make sense to me at first.

What is wrong with this people?

Lexusgs430:
Thomas cook, is now well & truly cooked......

There is something I want u to explain to me explicitly pls.

Why must one get a credit card?

Is it unavoidable?

sassysure:


There is something I want u to explain to me explicitly pls.

Why must one get a credit card?

Is it unavoidable?

A credit card is not compulsory, the problem arises when this so called credit card, becomes a heavy debt card...

The circumstances of the borrower changes and can no longer afford it.....

It might be an unsecured way of borrowing, but that unsecured position, would automatically be converted to a secured position, if you own your property. That debt would simply be charged to your property......

The morale of this story is, if you feel you can manage it judiciously, go for it....... If not run, like fire is burning....

It's called credit card, but i call it a debt card........ It might take you out of tight corner, but that rescue, might become a constricting snake.......