₦airaland Forum

Lexusgs430:
Me take a credit card ? You want me to send Ekiti thunder to take you down ?......

I would never take or accept a credit card ............... Debts card are a menace to the sane world ......... Why would i allow a bank use me to feed large ?...?

I don't spend what i do not have ........ If i need money, i would apply for a very very low interest loan or simply remortgage ..........

Problem with bank loans is that they reduce your net income

Lexusgs430:
I would personally advice you to stay off this debt card for now, till you fully understand financial/debt management in the UK.............

Take a credit card. and if you are afraid of it, start from £5/ month and pay off direct debit. Until you have a big liver to do 1000, but not on unnecessary expenses.

mim1031:
Elders in the house, thanks for always putting your girl through in this UK, it's not easy for JJC like us
I bank with Barclays and was offered a credit card with 29.9% APR. I had applied for one with 19.9% APR which was declined but they offered me this one instead. Is it a good bargain or I should continue in my search for a card with lesser APR?
Also, I would really appreciate if someone can tell me more about credit cards, no matter how much I read, all cards are the same to me except their different APR
I only need the card for building my credit score, please enlighten me
Thanks

The rates improve. Recently, i have been offered a 0% interest balance transfer and 0% interest cash transfer. This has come in handy as i foolishly bought a new car and didn't have money to pay for it. At least, the credit card will not accumulate too much interest before i pay it off.Credit cards can be a useful tool to track how you save monthly and come in handy for purchases, if you don't have friends to borrow you, or not to embarrass yourself borrowing

i started from one natwest and initially only spend like 100 or 2oo, but paid by direct debit. Eventually, moved to 3 cards and 12,000k credit limit.... except when furnishing my house and more recently supplementing buying a car and i didn't want to touch mortgage savings. Eventually this paid off, got my mortgage, they also looked at my contract phone and electoral roll registration to assess credit rating.

Today, Now 14,000k, but owing about 5k. Out of which 3,3k is interest free till December . after 2yrs, my credit profile increased to 900+ on experian. i never used upto 25% credit limit before now

LagosismyHome:
People always say credit card improves your credit score but is it really true in Uk?.... America yes but don't know if its applicable in uk and i tell you why

I got a credit card maybe 10 years ago. Just one. I never used it one day and manage my life around my debit card meaning i am as good as not having a credit card... i went to check my credit score online and nothing came up .

I got a mortage easily .... all that was checked was earnings .. This made me think if you had a bad credit history yet it affects but if you have no history it probably makes no difference

Check Aldi

Stoicbaba:
My people, I am back on NL...been aware, as I was trying to find a "street corner" to avoid the cold. This so called central heating system ain't working jare...

But, first things first...can someone remind me of where to get that brioche abi brooch bread...please, hepp a broda. I am not too in love with salts

5 days now, yet I feel like I was sent on an exile...bored and lonely

@sutelk, congrats for the reunion with your family... I hope they brought "ofe nsala o"?

Come n show a broda around o

Free100:
Is there an implication for writing plab 2 and GMC registration without doing NYSC?

sorry but who gives a rat's ass about nysc...except u want to go back to run for political office

Lexusgs430:
Madam, think outside the box..........

The address used is still your family house, husband's and wives can decide to conduct their marriages however it suits them.......

No marriage book insists, husband and wife cannot reside in a family house.

You could have conducted your TB test while visiting friends for a ceremony or during a brief husband and wife blending rendezvous session to another state.....

* Think outside the box*........ The most important issues is, the names are the same.........

Before they ask you questions, provide the answers........


I hope with this few words of mine, your thinking cap is already outside the box...............

The names don't even have to be the same. Its not a Nigerian application. Me thinks

Yinkzy03:
This cracked me up mehn, so how many points did you get on your DL for scratching the Car?

Let's just say people applaud you for test-driving when you have a good job, than when you are still in school

She doesn't discriminate, as long as you have money and trips...She's very beautiful and i must admit, i might be tempted if i had such money to throw around. She's really beautiful and well spoken....not surprised.

It's most likely true, as i have seen her in a client's house

Adej134:
Hi All, I got my visa recently and planning to travel next month, i need someone to link me with the reliable property agents in London. I don't mind shared room.

Thank you

are you a doctor?

dustydee:
This includes stealing, rape, murder, assault, overstaying visa, battery, affray, reckless driving, street racing etc.

you mean when am ready to switch to ILR? Does this include speeding fine?

dustydee:
That will be difficult as you will have a lot of explanation to do. The only thing that may help be based on 'family life' or 'private life'.
Crime is one of the grounds for refusal but may be mitigated by the children being citizens.

what do youmean by crime?

dustydee:
Congrats, you finally gave your babe belle.
You do not need to apply for here as long as she will not leave the country.
My child went straight to citizenship after one of us got ILR.

Was test driving the Car, scratched it, so had to buy it innit!

zeezaa:
please Seniors, between Eastbourne and Leicestershire which is more affordable and family friendly
cc
justwise
Lexsusgs430
fatima0

Peterboroughshire

Just wondering. I'm on a tier 2 visa and 2yrs+ in the UK. Just had a baby girl.Thank you! Thank you. I wanted to get her as dependent on my visa, but then i am hearing i don't necessarily need to get a visa. That i can wait till i get my ILR and perhaps file for her then.... The rumor goes on to imply, if she will not be travelling, i can just register her and no need for Dependent status. Can anybody verify this for me please?

Braquecasso:
Hi everyone,

I have learnt so much from this page and it's been really insightful, very funny and informative. I actually really enjoy the little of bits of sarcasm thrown in. Thanks for your contributions.

I have a question... Ok, a couple... . Does having a parking ticket (in Nigeria) affect the application for a tier 2 or tier 5 visa, and would it be a problem when applying for permanent residency in the long run? Said parking ticket has been registered and is in the police records. Would one need to declare that when filling an application form or can it be skipped? And if its skipped, can it be detected later?

I would really appreciate your advice. Thanks so much.

you mean a parking ticket in Nigeria, Nigeria or Nigeria, London?

Aphrodite007:
Since doctors are leaving Nigeria to come here, I think the good doctors have finished in Nigeria already

Anyway, I want to bring a family member here for better medical care, which I intend to pay for. The person has done a bone operation doubtlessly in Nigeria and it’s still not fixed (I think he had Blounts). I believe he will get better medical care here, so I want him to come then I’ll pay.


Is this possible in the UK?

Better get a quote first, might be looking at spending £10k-£20k range...Not reallyworth it, there are an odd one or two good hospitals in Nigeria, if you know where to look!

Lexusgs430:
Even if its true..... Would you be tempted to go serve for queen and country?.....

lol, imagine they post him to serve in nigeria still...lol

Lexusgs430:
You have not mentioned the type of help you require?....

Help him give a shout out to Theresa May

innamorat:
Please can you tell me how he can go about it please

wife, its like u r sharper than ur husband oh, y r u the one hustling for him

Lexusgs430:
Which hospital is not busy?...

One of chillest A&Es i have worked as locum!

sgtponzihater1:
Health sector. I've seen several agents. Hope to choose the best offer sir.

Peterborough, get a job in Huntingdon, 25min drive from Peterborough, or in Peterborough, but the hospital there is said to be very busy

emadamysy:
Hello Everyone.

I have never been outside the shores on Naija and would want to make a trip this year.

Learnt that there are lots of bottle necks with the US Visa waka.

I would like to visit the UK, my cousins and extended family stays at Birhimgham City.

I am the sole sponsor of my trip...

What are my chances, i currently earn a little above 150, with savings in Mutual funds (1.5M).

Use a Nigerian immigration lawyer to guide your visa application process. UK no dey refund visa money. Also,get an invite letter from your relatives

Yinkzy03:
Na wa o, see grooveee

What about paying £1,055mortgage for a 4 Bed, 2 bathroom house in Peterborough....Is that a good deal too?

DaveChapelle:
Hahaha, I'm catholic, but partner is redeem. Amebo is too much. When i went to Redeem in Reading when lonely, on easter day. Pastor was blasting easter bunny tradition and calling it idolatry. Went to another and the senrenre was so much, especially after they knew i was a single doctor. Then blocking me from talking to one or two single ladies there! Wasn't interested in the overfamiliarity and unnecessary intrusion....whatsapp group, calls to check on me. etc

Though being catholic here is somehow very boring. But, that's my roots

freecocoahubby:
Bros, i used to live in cambridge, its a lovely place. im in leicester now and no joy here - its cheap but too rowdy. just a piece of advice: if you dey find better church try KICC. No go redeem o drama full dat church (talking from experience)

Hahaha, I'm catholic, but partner is redeem. Amebo is too much. When i went to Redeem in Reading when lonely, on easter day. Pastor was blasting easter bunny tradition and calling it idolatry. Went to another and the senrenre was so much, especially after they knew i was a single doctor. Then blocking me from talking to one or two single ladies there! Wasn't interested in the overfamiliarity and unnecessary intrusion....whatsapp group, calls to check on me. etc

Africans is crime. Asians is Paedophilia and honour killings! Crazy world

sutelk:
Are you indirectly telling me broadband will also give me 8am to 8pm appointment?

when i was in Reading they came next day.This Midlands, like 2 weeks,no internet! was just regretting y i didn't book earlier

marylandcakes:
Happy New Year everyone

Yesterday my recycling bin went missing so I decided to check my CCTV to see who the culprit was. To my amazement I see the bin man empty the bin and then throw the bin in the dust cart. He seems to be high on something. I’ve reported him to the council. This is the cctv clip


https://www.youtube.com/watch?v=BclBz_4xsLE


Next time your bin goes missing it might not be your next door neighbour.

Maybe you left some Nigerian jollof rice in the bin again

lol

davide470:
Wales, Northern Ireland, England and Scotland

EsotericMonk:
As in ehn, only £70 would take me to a good number of Euro cities but why would I go from cold to colder?
Europe na for summer runs.
Many thanks @engrsaks , mimzyy, disguy

even if it means you save £2,000. shey the summer of all your 9ja life neva do you? At least, some live in winter all their lives