₦airaland Forum

Oooh why? Let everyone drive oooo ....you advise now dem go say we be bullies Abeg let everyone try a drive here in the youkay...its good for all

iyatrustee:
This is another message that needs to be passed to new migrants.

Many people will get their hands burnt in this early quest to drive in the UK.

Lol ...ideally your utilisation rate shouldn't be more than 20-25% of the limit granted you by the CC company for you to remain in good credit score range.

What this mean is that if you have a CC limit of £2000, spending all would make you look desperate and too dependent on credit facility for survival.

To avoid this, use just 25% of £2000 which is £500 each month and pay back the minimum amount payable.

On your part, to avoid matters that touches, try not to spend all of that 25% if you can't afford to pay back monthly the minimum or in the nearest future the entire balance. Always utilise what you would normally pay out of pocket without strain. So assuming you have £40 for a pair of trainers, instead of paying cash or through your debit card, use your CC and pay the £40 back to the CC. This way you are creating for your self, credit history using your CC for purchases.

What oga Lexusgs430 was trying to tell you about the hot soup is that ...don't go and start balling at the Dorchester or Marriott hotels when you get a CC of £5000 credit limit you can't afford to pay back timely Na olopa dem go use con carray you. oo

Phil46:
Haha that's village people pro max

Over indulgence in credits you can't afford to pay back

Phil46:
Thanks Boss for the advice, I will take things slow and steady.

At your last line - what is I like my soup hot hot

List your address twice if you have no other one in the UK or if it gives you an option to list an address outside UK, then put in your Nigeria address.

Phil46:
Amex eligibility checker required additional address for being in the UK for less than 3 years.

Bolded is wrong dear ...AMEX gives referred persons 8000 avios bonus and the referrer 4000 avios. You accumulate these avios through referrals or purchases made with the card and you can use same to make purchases for free or at a reduced price so its a win-win for all. No one is saying when you registered with our referral link you get awarded Heaven and Earth or are we forcing anyone to get a CC without them asking or needing one

BouharryArtikou:
Calm. Down.
Why do you badly need a credit card?
Scroll through the thread. You will see links of comparison sites that allow you to enter your details and check your eligibility. These sites can actually show you the cards that you have been pre-approved for. Apply for one of those pre-approved ones. Then begin the journey. Small small.
For now, you may want to ignore people dropping their referral links (I mean, ignore the referral links, not the people). Trust me, those referral links are for their own interests, not yours (in the first instance).

Why would you want to put in your Nigerian address? Don't you have an address here in the UK?

Phil46:
@ bigtt76 & Solumtoya,
Please guys, with Experian score of 872 will I be approved for Amex? I tried to check my eligibility on Amex site but it didn't allow me input my Nigerian address. I have been here for 5 months. On the electoral register already but no DD for any expenses yet.

Life happens whether sane or no sane country. One just have to be prepared instead of living under edge conditions. Even people who have worked for years and gets paid regularly still maintain the need to have contingency funds stashed somewhere, how much more you travelling a long distance to a new place 🤷🏿‍♀️... It's not an unnecessary distraction to the issue but rather one that those coming behind should take note of.

SamReinvented:
This right here, is the question. What is being done to the worker is a criminal offence. Either that, or the skilled worker visa is an illegal arrangement from the start.

All the victim blaming that the rest are doing is an unneeded distraction from the issue at hand. No one should be moving from one job to another in a supposedly sane society and be worrying about 6 months contingency plan in case they don’t get paid. Makes zero sense.

Give her head and see if she changes 🙄

Tochyno1995 ...see below. Have you also checked that your credit score on Experian is not locked to external checks? Your score looks good though.

Question
a. Is your rent paid by bank transfer directly to the landlord's account? If yes, try setting up a standing order to execute same time every month
b. How is your council tax or utility bills paid? Do you have Direct Debit set up on your account to debit it every month? Direct debits are reported to credit bureaus
c. Look for Contract-SIM from any of the mobile networks (I use Virgin mobile) and port your current line to them, use direct debit to pay for this monthly. To call home you can use cheap call cards available in Tescos or ASDA etc
d. How long have you been on the electoral roll?

Try the following

1. Place the embolden on standing order and use the following to report your rent payment to report the rent payment to credit agencies.
2. Credit Ladder sign up using my referral https://www.creditladder.co.uk/join/4kN2nMj0DmjpABDL),
3. Loqbox (sign up using my link https://www.loqbox.com/en_gb/loqbox-invite?referral_code=SZJ9DXFXHX&referral_channel=link)
4. Sign up for AMEX https://americanexpress.com/en-gb/referral/tEMItOhbvx?XL=MNANS
5. Try not to open too many bank accounts (are your accounts online banks or conventional banks) or close any already opened
6. You should sign up to Experian credit score platform and they have a 30 days trial with which you can use to guide and boost your scores

You can report previous payment as currently is if you make the transfer same time monthly. The apps would pick it up from your bank account.

Dygeasy:
the emboldened explains a lot.

You have to show some committment to specific payments consistently and timely. If you can register on Creditladder, try to report your rent monthly. Once you're seen as one who doesn't miss payments, all these approvals will start falling in your laps.

Bigtt76 has a Creditladder link

Hmmmm

LagosismyHome:
Those quite common actually. ... I know 5 people different cities that have been looking for 20 hours part time to supplement their main tier 2 care job and have not seen

Its shocking that with the skilled worker visa he's unable to get part-time jobs sef

LagosismyHome:
Some employers are bringing in carer but don't have shift for them. On case I saw on Facebook this is the 5th month no shift

So people Need to plan and plan for the worse. Go back to your employer and let the person know the impact it having on you

I see nothing wrong in what Justwise said though. I agree with you too that just one month pay is ok to bring as a Skilled worker but as a project management freak, you got to be prepared against any unforeseen circumstances. No harm bringing more than a month's buffer pay after all it remains the person's money.

BouharryArtikou:
I agree 100% with @Solumtoya that this response is 'Privileged Opinion'. It is possible there is some sense in what Justwise was saying, but the way it was put across is just not wise (my opinion).

Granted, Justwise has done some fantastic work on nairaland but sometines his responses (like this one) is'nt fair. I think Justwise conflated the financial requirements for STUDENTS (Tier-4) with that of workers (Tier-2).

As someone who has worked (as admin) in a firm that issues CoS, I know for a fact that we have the choice of either selecting that we will make maintenance funds available to the worker we are sponsoring, or we could tick NO. In the latter scenario, the worker is responsible for keeping their PoF in a bank for 28 days to show that they have money. There is a reason why the maintenance PoF for WORK visa is different from STUDENT visa. This is because for WORK visa, the worker is expected to be paid (IN FULL) from date of commencement of 'Work' (I put work in " " here becasue onboarding/induction/training is considered as Work.

It makes sense for a student arriving to have some 'buffer' of more than a month (well, that would already have been submitted in PoF anyway). But for a worker, 1 month is enough, as the worker is expected to receive their first salary not more than 1 month of arrival... This is common sense.

References:
https://www.gov.uk/health-care-worker-visa/how-much-it-costs


The first screenshot is part of the CoS application for a worker where the sponsoring company is agreeing that maintenance funds will be available for the worker. In this screenshot, we ticked YES. It means the worker is not expected to show any PoF.
If we ticked NO, then the conditions in the second screenshot must be met by the worker.

Not sure about this. I'd rather use my main bank (Llyods) for this

Drey1:
Bro. Direct dd on revolut. He count for CC ba?

Ololanla:
Really, I am not surprised. Arsenal is a very useless club.

Were you on the electoral register before applying? Registering online does not automatically mean you've been listed. By law, the Electoral Register is updated on the first working day of every month except October and November.

How have you been paying your bills? Standing order or cash? You should look at doing direct debit or standing orders if not. Also look at taking a contract-sim only phone deal with your phone network instead of pay as you go. It helps cause they will debit you using direct debit monthly. What bank do you use? Ensure your bank reports your DD to credit score companies.

When applying as a student, best you quote a low annual salary amount. Don't go and be quoting £24000 as your income when everyone knows as a student you can't earn up to that due to the 20hr restrictions.

Allow sometime (say 3 months) before re-attempting. All the best

Tochyno1995:
Hi, i've registered on Experian, checked my credit score and it's 757 out of 999 (fair, not even good or excellent).

I'm 6 months in the country as a student but when i applied for the CC today using your referral link, it was denied.

I'm on the electoral register as well but i haven't setup any direct debit yet - i just did that today for my phone bill. I used to pay the monthly bill manually.

Is there anything i can do to fix this- even paypal instalment payment was not approved for me same with Klarna?

If you are registered on Experian, Totally Money or Equifax, you can log on there to check your eligibility. Most CC companies allow you to check your eligibility before applying. cheesy

Before trying though ensure you have registered on the electoral roll, been paying bills via direct debit ....these could come in handy in them seeing you on the financial space cheesy

You can try it with my referral link https://americanexpress.com/en-gb/referral/tEMItOhbvx?XL=MNANS kiss

You apply to keep it during your appointment. You can still apply for your US visa on the passport since it hasn't expired.

triplo3:
Thanks. How do I apply to keep it? Is it online as well? Or when I go for my appointment.

PS - I am renewing passport now because I want to apply for USA visit which is valid for 5yrs.

Nothing really cos the issuance is not instant. If your booklet pages are exhausted, it makes sense to renew now. Make sure you apply to keep your existing booklet though if you need it for identififcation purpose else you would be required to submit it.

triplo3:
Wow.....Part 3 finally!!!!

Make I port my question here before e go loss..

Elders, please advise on the below. Is 6months to expiry date rule strict?

My passport expires April 2024.

I just paid and booked passport appointment at Nigeria House London for July 2023.

What happens to the 6 month to expiry before renewal rule?

Will I be turned back and refunded? Or everything go as normal?

Thanks in advance

Good stuff

If you are registered on Experian, Totally Money or Equifax, you can log on there to check your eligibility. Most CC companies allow you to check your eligibility before applying.

Before trying though ensure you have registered on the electoral roll, been paying bills via direct debit ....these could come in handy in them seeing you on the financial space

You can try it with my referral link https://americanexpress.com/en-gb/referral/tEMItOhbvx?XL=MNANS

Hkana:
How does one do the pre approval eligibility test? I'm about applying for a CC and I wouldn't want to apply without first confirming I'd get it. Don't want any hits on my file.

Cc: solumtoya bigtt, profjyk and others

Like say nor bi de f@ck you sef de go for

iInjureHerYansh:
Told this girl I have been seeing lately to stop asking me for money if she really care about me and I haven't heard from her since then Where are the people that say women can date if money isn't involved?
Well not all women are after money but majority of our girls are doing this dating thing for survival.

Relationship has to be transactional or she moves. The earlier you realize all the sweet name calling and things she's been doing for you is cos you have money to give her the earlier you will know how to stand.


I always see every lady as someone who doesn't love me for me but for my assets, until she proves otherwise. It has saved me a lot.
This lady I just talked about is another point of reference.

You can also try it with the girl you are seeing now and see for yourself if you doubt me.

Ooh wow ..those werey nor gree mind me ooo!

Tell me about this

on another note, BA Amex Companion Voucher is sweet. two people can go abuja and come for 160GBP

ProfJYK:
In my experience, it didnt. Though i only applied for a new one 1 full year into my Amex journey. got into barclaycard when they were running double welcome bonus and i couldnt resist.

but if a higher limit is your only target, you can apply to increase your amex limit every 90 days by up to X3 built mine from 1k to 5k and then afterwards, they started writing to me offering limit increases without me needing to apply.

on another note, BA Amex Companion Voucher is sweet. two people can go abuja and come for 160GBP.

Lexusgs430:
Just checked ...... None of them are loyal........😜😂

You get referral link?

Lexusgs430:
Virgin, MBNA, Sainsbury, M&S, Barclays, NatWest........

Any suggestions? I'm looking at Aqua... They pre-approved me but their limit sef nor much 😔

Lexusgs430:
Just do a pre approval eligibility test....... So you're certain to get another...... You can sign up for another......

Try lenders with better interest rates, they offer better limits.......

Forget this olokodaran .....Abeg what happens when I sign up for another CC? Would affect my chinkili credit score? I want to build my total credit limit to £4000

Lexusgs430:
This is what we call, BuildingProject on another's man's daughter........😂😜😁

Omo you have to carry dem along oo. They would still be on file as your dependent on a previous employer's profile while you are on another, o rong naau

hadidej:
Hi All, 2 things. I currently moved form one skilled worker visa to another. According to gov.uk, my family don't seem to have to reapply since they still have visa from my previous employer. Some people say they have to re-apply for another visa, others say it doesn't matter. I feel they need not according to my interpretation on gov.uk. But maybe we misunderstood. Can some one advise. Secondly, I can link you to where affordable snails are available if based in coventry.

Boya hin too de affected and was hoping for a solution ...okoo eh ti lo

humblemoi:
This is how comments spiral out of control. Even the person who asked questions was making fun with his question and subsequent responses and you are here complaining. It feels like you were looking forward to a particular response to use yourself.
Meanwhile did the person asking question reveal location abi are we not in the UK anymore?

Bros, no dey tighten things for chest. If person wey ask question no complain why you come dey worry?

Far more randy photos of her than of the chef in her

TMSMedia:
https://igberetvnews.com/1445034/stunning-photos-hilda-baci/

Wow

Solumtoya:
Lool... Fair enough. Aqua offered me a card without my application a few months after I got my AMEX. They have since increased the limit twice

You will need a certificate from HM

dustbin007:
Raw oga miii. E shanu aje 🙏🙏

Aqua 😂

Solumtoya:
Toughest, you say... Can you name other cards that are easier?