₦airaland Forum

styles2009:
I m happy to see you making progress and as for the language part don't relent, just keep learning as much as you can and don't underestimate Children Radio programs, you can only speak, what you've heard before.
That buying of medicine part, if i am not mistaken, your health insurance should be footing the bill or you pay only 5euro maximum,if the doctor gives you a prescription paper,if not it's going to be really expensive.

I like the part you stop conversion to buy stuff, if not man no go chop.

styles2009:
Congrats, no more schneller in Lager matter again.

fatima04:
I have got similar issues with hubby records where he doesnt have a record on experian, credit club etc but he does with equifax. And we can access this via credit karma freely (though sometimes 2mths delay)

I think it is because he had like 2 address history within 3months of getting to UK, doesnt make sense but thats the only difference between both our accounts and I have access to most free credit reports you can think of.

The trick for me is when applying on clearscore, money-saving etc, was to put 3years on my only existing address in the UK and voila I had access to all. The system won't allow you register if you don't click 3 years address and your records are on it.

For CC, do use previous suggestions, if i could add open or use HSBC current account, you see those Halifax and Lloyd's you need like a very good current account with them before you can be approved because they will even ask you questions about your visa and its expiry et al.

I have had an account with Halifax and was rejected until after 1.5 years of operating as my salary account and was offered £3k. Meanwhile HSBC offered more for a new current account i just opened.

Lexusgs430:
Nah innocent question I ask o.......


Just keeping doing things to leave a credit mark.....

But space applications, your turn would come......

Lexusgs430:
So you're registered to vote from a business address?.....

Lexusgs430:
Since claremont mentioned vanquish, I thought apply again to proof the ease........

Here is my result....... That makes it 2 successful applications within 48 hours........

You might need to appease your village people.......

NB : No more credit card experiments from me, not unless you promise to pay the resulting bills.......

claremont:
My first credit card many years ago when I was an innocent international student was a Capital One credit card with a credit limit of £250. I naively thought it was free money, my own share of the British national cake. I blew the whole £250 on food and other expenses and threw away the card. £250 turned into £450 many years later which I had to pay off before I attempted to get a mortgage. That £250 was registered as a default on my credit file for years until I settled it. It was only after I settled it, my credit score started started going up, and I then got a mortgage and other 'normal' credit cards.

However, Capital One and Vanquis are the go-to credit cards for most people new to credit. Use them and pay off at the end of the month. Give yourself 6 months of consistently using and unfailingly paying them off. Use a broker like London and Country (fee-free) and apply for a mortgage, you will definitely get accepted. You might not get a decent mortgage rate of below 2%, but you can always remortgage to a decent rate after 2 years.

Spanishmilf:
guy. Why u no update your thread. U killed it yourself bro. Come back

dustydee:
What kind of support were they supposed to give? I have never heard of any company that helps you apply for a personal credit card.

SusanDaves069:
hello Braket. Can I get admitted to a German (Msc) university without a work experience.
I don’t have ielts , can I get admitted with just English proficiency letter

Tell us about your “entanglement “ with German women or 9ja girls too. Lol

IchBinBrait:
Thank God oo..

But Braket how have you been na?? I don miss you oo. We know life doesn't always go the way we want it to but you could tell us some good and ugly experiences you've had over time in that German city and how you overcame.

I kind of saw you on that UK thread but I guess you don't wanna talk about it. It is fine!

contra:
This here is golden! Thanks for sharing. Let me add one or two from my own experience.

1. Pay off the balance (not minimum) everytime on due date by direct debit.

2. Plan the usage and payment intentionally. Don't leave more than 25% on your statement. You can use 80% of your limit but just before your statement closing date, pay off until 25% balance is left, then pay off in line with point one (1) above. Do this at least 4 days before that closing date. This is month one. In month 2, let the closing balance be slightly less than 25%, say 24.8% and continue to reduce this every month.

3. Take an overdraft from your bank and use it on the eve of your monthly statement closing date. Use only small (say £5) and pay the interest. If you plan to repeat this, use the pattern in point two (2) above.

This is how I managed to build my credit score and it was ready within 6 months of my arrival. This was possible because my employer provided an Amex card that I was responsible for managing in month 2 of arrival. I applied for my personal Amex card, 3 months later. In less than a year, my score was more than enough to get my most priced asset yet.

Be intentional.

Lexusgs430:
Have you tried capital one? Like play Like play, because of you I tried them............

They only conduct soft check on your credit details, it leaves no footprint on your credit file .......

They don offer me £7500 credit limit........ Make i quick quick go find another wife wey i go marry.......

Elektra008:
Are you not the same one saying you have been living in the UK for a year and wants to get a credit card? With their likes of justwise and lexusgs giving you tips?

badmanjo:
Wow congrats on the job Braket, this Covid isint all doom and gloom for everyone, how about socially have you been able to integrate much yet? Also pictures would be appreciated

Sweetyie:
The whole gist, I like gist abeg, continue from where you stopped.

Endlessgrace:
I was in your situation few years ago when i got here. Mortgage was my goal but i needed to build my credit score to achieve that. I registered with ClearScore and they gave me tips on how to grow my score, my first credit building card was pre-approved on ClearScore. With a credit limit of £200 i started my journey.
Tips:
* register on a free credit score app
* apply only for pre-approved credit cards
* if you use your card wisely, you could end up not paying interest (that worked for me)
* avoid close-spaced hard searches.
You already said you are registered on electoral roll so that’s great. It might take up to four months before it reflects on your score though. All the best

badmanjo:
Op how did you get through the Covid and what has been the most intriguing thing that has happened to you recently?

Sweetyie:
Update us oh

Clicked:
That's sad though. No matter how much I dislike Nigeria, I wouldn't want to renounce my citizenship.

It will be like I have completely destroyed anything connecting me to Nigeria. Basically I'll be a foreigner in my own fatherland.

Imagine needing a visa to enter Nigeria, I won't like that at all.

Lexusgs430:
Take yà time ó...... No let my pickins read this Daddy situations, before then begin think say Daddy is playing away matches..........

Store credits are usually easier to get........ Buy on credit, if 0% interest, spread and pay accordingly, no worries.......

If higher interest, pay minimum for about 3 months, then clear balance on 4th payment.........

beryour:
You can try aqua they seem to offer a credit building card to help build credit record...but bros, use it as a debit card oooo

Lexusgs430:
Where you see Daddy...... I know pickins wey I born......


Rather than Amazon, take a trip to Dixons........ Use in store credit facilities..........

Or use ebay, but apply for PayPal credit.......

segun688:
You need to take a break from applying for credit cards for at least 3 months. Otherwise you will keep getting rejected. Also register on platforms such as "moneysupermarket " These platforms allow you check for credit cards which will show you the ones you most likely get approved for before applying. Finally, apply for store credits such as pc world etc, then pay that off very quickly

Lexusgs430:
Try to avoid excessive credit applications, it leaves a tick on your record and may sound desperate......

Have you bought anything on credit? If no, how can they trust you...... You get the drift.........

If you drive, take out a small car finance loan..... If you buy from argos, avail yourself of argos in store credit facilities etc etc etc

Be careful with credit cards, it's a very easy route to debt jail and eventual sentencing, with no parole option...........

Don't view a credit card as a credit card, but a debt card..........