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Living In The Uk/life As A UK Immigrant - Travel (4) - Nairaland

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Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 1:31pm On Dec 29, 2017
Ralphlauren:


are you on the electoral roll? this is usually a compulsory requirement to open a current account.

they will have to verify your identity electronically and also verify you are actually UK resident living at the address you claim to be residing. it is also aimed at stopping fraudulent applications.

Thanks once again.
Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 6:56pm On Dec 29, 2017
Good day people.

Is it advisable to make normal day to day or rather weekly shopping and budget payments with the Credit card then pay it all off fortnightly?

If there is monies in your account, can you still use the credit card nonetheless and reimburse from there?

I quite keen on the credit build-up. I need all the info I can get.

Thanks.
Re: Living In The Uk/life As A UK Immigrant by Nobody: 8:12pm On Dec 29, 2017
Inkredible:
Good day people.

Is it advisable to make normal day to day or rather weekly shopping and budget payments with the Credit card then pay it all off fortnightly?

If there is monies in your account, can you still use the credit card nonetheless and reimburse from there?

I quite keen on the credit build-up. I need all the info I can get.

Thanks.

i do a monthly direct debit. Just make sure you have enough money in there
Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 8:31pm On Dec 29, 2017
Falzdbadtguy:


i do a monthly direct debit. Just make sure you have enough money in there

Okay. All spending are done on the credit card then, yes?
Re: Living In The Uk/life As A UK Immigrant by DisGuy: 8:33pm On Dec 29, 2017
Inkredible:
Good day people.

Is it advisable to make normal day to day or rather weekly shopping and budget payments with the Credit card then pay it all off fortnightly?

If there is monies in your account, can you still use the credit card nonetheless and reimburse from there?

I quite keen on the credit build-up. I need all the info I can get.

Thanks.

To be honest I think credit cards should be used for bulky high ticket purchase, leave the weekly shopping to your normal debit card/cash. if you're buying Dyson, Furniture, cars, package holidays etc but then again everyone has a comfortable strategy to keep on top of things
Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 8:46pm On Dec 29, 2017
DisGuy:


To be honest I think credit cards should be used for bulky high ticket purchase, leave the weekly shopping to your normal debit card/cash. if your buying Dyson, Furniture, cars, package holidays etc but then again everyone has a comfortable strategy to keep on top of things

Valid point but making such huge purchases aren't that frequent. Maybe once or twice a year if renting an already furnished apartment.
Re: Living In The Uk/life As A UK Immigrant by DisGuy: 9:00pm On Dec 29, 2017
Inkredible:


Valid point but making such huge purchases aren't that frequent. Maybe once or twice a year if renting an already furnished apartment.

True, i think that's why most people see credit card as a back up, not main card...but i guess if you want it to be 'active' you might as well use it that way. If you use public transport you might want pay for an annual travel card with it .
Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 9:03pm On Dec 29, 2017
DisGuy:


True, i think that's why most people see credit card as a back up, not main card...but i guess if you want it to be 'active' you might as well use it that way. If you use public transport you might want pay for an annual travel card with it .

Great!

Thanks for chipping in.
Re: Living In The Uk/life As A UK Immigrant by Nobody: 10:04pm On Dec 29, 2017
Inkredible:


Okay. All spending are done on the credit card then, yes?

Not really, you just have to spend like 5 pounds or 100pounds

Don't spend too much, or repaying back might be painful, as you're technically still borrowing
Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 10:21pm On Dec 29, 2017
SerOlugbenga:


Not really, you just have to spend like 5 pounds or 100pounds

Don't spend too much, or repaying back might be painful, as you're technically still borrowing

Thanks mate. Are there any rates you pay for the borrowed cash before repayment?
Re: Living In The Uk/life As A UK Immigrant by Nobody: 10:25pm On Dec 29, 2017
Inkredible:


Thanks mate. Are there any rates you pay for the borrowed cash before repayment?
i think that comes if you don't repay before the deadline

1 Like

Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 10:36pm On Dec 29, 2017
SerOlugbenga:
i think that comes if you don't repay before the deadline

Hmmm. One last question for tonight, is the credit point earned proportional to amount spent or the consistency of usage and prompt reimbursement?
Re: Living In The Uk/life As A UK Immigrant by Nobody: 10:37pm On Dec 29, 2017
Inkredible:


Hmmm. One last question for tonight, is the credit point earned proportional to amount spent or the consistency of usage and prompt reimbursement?

To be honest, I'm also new here, so i can't really give advice on that, but you can use Experian to check your credit scores

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 12:47am On Dec 30, 2017
Ralphlauren:


Stop saying people derailed the other thread. undecided

Banter keeps a thread flowing and also encourages others to chip
U r right, banter does keep a thread going if not it won't be interesting and I picked some 1 or 2 stuff.

So one must prove strong ties again for ILR, hian thot dt will end with visa interviews oo. God dey!

1 Like

Re: Living In The Uk/life As A UK Immigrant by justwise(m): 12:48am On Dec 30, 2017
justwise:


I have used both, Azimo is better than worldremit interns of exchange rate, sometimes 2naira more.

Transferwise gives you more than those two but charges £1.44 fees while the above two charge £1

Check exchange rate through google or abokifix before using any of them.

I used Transferwise today and they are good, faster transfer time and better rate as well.

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 12:51am On Dec 30, 2017
Ralphlauren:


what visa are you on? not sure but I thought I saw tier 2 somewhere. in that case, are you not already


Tier 2 dependant and the main applicant work is quite flexible as per location so I have been giving a wild card of picking a place dt will be good for us, hence the whole deliberation oo.

Trying not to restrict myself to I can or I can't. Just open to ideas
Re: Living In The Uk/life As A UK Immigrant by fatima04: 12:54am On Dec 30, 2017
justwise:


I have used both, Azimo is better than worldremit interns of exchange rate, sometimes 2naira more.

Check exchange rate through google or abokifix before using any of them.

Will check dt transfer wise and abokifx simultaneously but I trust you my oga. You have never misled me back from early days grin

Wait oo! JuSt like ur moniker na u get transferwise..... show us the way boss
Re: Living In The Uk/life As A UK Immigrant by fatima04: 12:55am On Dec 30, 2017
justwise:


I have used both, Azimo is better than worldremit interns of exchange rate, sometimes 2naira more.

Transferwise gives you more than those two but charges £1.44 fees while the above two charge £1

Check exchange rate through google or abokifix before using any of them.
Will check dt transfer wise and abokifx simultaneously but I trust you my oga. You have never misled me back from early days grin

Wait oo! JuSt like ur moniker na u get transferwise..... show us the way boss
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 1:02am On Dec 30, 2017
fatima04:

Will check dt transfer wise and abokifx simultaneously but I trust you my oga. You have never misled me back from early days grin

Wait oo! JuSt like ur moniker na u get transferwise..... show us the way boss


Absolutely not, i shop around for the best money transfer agent and have used the 3 i mentioned here.

I don't know anything about that company apart from using their service.
Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:06am On Dec 30, 2017
Inkredible:


Hmmm. One last question for tonight, is the credit point earned proportional to amount spent or the consistency of usage and prompt reimbursement?

I think for a start the bank gives you between 1k to 1500 credit limit depending on their policy then you keep building or from.dre and it goes higher but for other service provider dt gives credit card I really don't know.

Oldies will soon come give u a robust response

2 Likes

Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:11am On Dec 30, 2017
wonlasewonimi:



Hundreds of furious passengers are stranded at Gatwick airport after airline cancels flights over 'technical problems' leaving many - who paid up to £1,000 a ticket - sleeping on the floor for FIVE DAYS


Read more: http://www.dailymail.co.uk/news/article-5219467/Passengers-stranded-Gatwick-five-days.html#ixzz52eE1ZOJd


Fatima, thank your stars you dodged a bullet flying Medview

Medview Don turn to Arik be dt. That's really really bad. See dissappointments. It's like they have bit more Dan dey can chew

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:13am On Dec 30, 2017
DisGuy:


Note this is one of the best thing you can say to anyone!! Please and thank you goes a very long way....

Agreed! Never underestimate the power of those 2 words and we should cultivate the habit to people that are even being paid for rendering services to us
Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:16am On Dec 30, 2017
imconfused:
If you are gay,Scotland is great as people are open and welcoming,a very good proportion of



Hmmmn. Think this will be part of my culture shock. How do one handle it really and raising the young ones in a westernised environment.

Is spanking without marks on the kids allowed?
Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:17am On Dec 30, 2017
justwise:
[/b]

Absolutely not, i shop around for the best money transfer agent and have used the 3 i mentioned here.

I don't know anything about that company apart from using their service.

Trust you, pls update us when u find another better service provider.
Re: Living In The Uk/life As A UK Immigrant by Nobody: 2:57am On Dec 30, 2017
Have you heard of Tranzfar
Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 4:45am On Dec 30, 2017
justwise:


I used Transferwise today and they are good, faster transfer time and better rate as well.

Rate right now is 429naira. Isn't that quite low given that a pound is worth 486 naira?

Just curious.
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 7:31am On Dec 30, 2017
Inkredible:


Rate right now is 429naira. Isn't that quite low given that a pound is worth 486 naira?

Just curious.

No rate is 479-480.

2 Likes

Re: Living In The Uk/life As A UK Immigrant by Inkredible(m): 7:54am On Dec 30, 2017
justwise:


No rate is 479-480.

Ooh. Maybe I got a wrong data.

It's quite okay given the rate.
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 7:54am On Dec 30, 2017
Geetrix:
Have you heard of Tranzfar

Their transfer fee is a bit high, almost £3 for transferring £100 though their rate is 1 naira higher than TransferWise.
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 7:55am On Dec 30, 2017
Inkredible:


Ooh. Maybe I got a wrong data.

It's quite okay given the rate.

You probably checked €

2 Likes

Re: Living In The Uk/life As A UK Immigrant by Nobody: 12:48pm On Dec 30, 2017
You might want to consider investing in some Vitamin D. Very necessary
Re: Living In The Uk/life As A UK Immigrant by Nobody: 1:09pm On Dec 30, 2017
.Its impressive when i see Nigerians in prominent roles in the society. I feel kinda proud of how far they've come out from the domestic suppression. Just waztched on TV, one Efe Ezekial receiving an OBE.

I'm also tripped about the successful Nigerian Doctors and Nurses. E.g Emeka on Junior Doctors show on the BBC

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