Hi

https:///DjyRHEjL0DKEPYx8gOireH



Join the Romanian Student WhatsApp group for information

Alabig22:
Contact T empires and tours. As I speak am in Romania and it was through the platform. A reliable one at that +234 816 884 6483

Sure plug. He is a reliable and sure agent to work with.

[quote author=lovylovy post=103083537][/quote]

Please let’s creat a WhatsApp group for this purpose say Romania Student Visa

Beejay1001:
Hello please i have gotten admission into this same uni for a preparatory year course, i just payed my school fees, i am looking forward on gathering every possible information there is

Chat me up 08065192199 WhatsApp

Please you guys should add me up to any of the Romanian Students group. I have been offered Admission for a Masters Programs. Pls add me up. 08027035053

08065192199

I applied to Babes Boyal University in Cluj thru a friend in Romania. Romania is a nice place for students and accommodation is very cheap. You can also travel during vacations to other European countries

Jybz:
My thoughts exactly..
Seun and his Mods.. Lol

Nigerian Banks have credit cards..

That News is February 2015....

Nigeria is experiencing an unprecedented fast-paced growth
across practically all sectors of the economy and the
banking sector is not left out of this growth. Nigerian banks
now allow you to open a bank account online in minutes,
transfer funds and make payments on desktop and mobile
platforms and you can access cash any time with ATMs
that operate 24/7.
About 8 days ago, First Bank Nigeria announced the new
FirstBank Naira Credit Card with which consumers can
purchase goods and services online and pay later in
installments. The announcement effectively adds First Bank
to the list of Nigerian banks such as Diamond Bank and
Stanbic IBTC that offers Nigerians Naira credit cards.
A credit card is simply a payment card linked to a revolving
account with a line of credit from which you can borrow
money to make purchases based on your promise to repay
the issuer. In essence, a credit card allows you to shop now
even if you don't have the money and then pay later.
However, before we begin dancing in the streets because
our banks are now offering us credit cards, we should stop
and ask ourselves if we really need the almighty credit card.
This piece seeks to explore three reasons why you don't
really need a credit card.
Credit Cards Limit Your Ability to Make Money
The first reason you don't need a credit card (from a
personal finance perspective) is that credit cards have the
power to severely limit your ability to make money and
create wealth. When you want to buy a product/service and
you are short on cash, you brain will naturally go into
productive mode to figure out a way to make more money
to cover the potential expense.
However, when you have a credit card, you will not allow
your brain to go through the process of generating ideas for
making more money; rather, you'll just whip out the credit
card and spend the money you don't have to buy the things
you probably don't need. Hence, you should be warned that
your ability to think creatively and to make more money
might disappear when you have a credit card.
The Interest Charged is Somewhat Exorbitant
The use of a credit card effectively means that you are
borrowing money from an issuer to offset the cost of your
purchase. However, banks are in the business of making
money and they will charge an interest for any money they
lend you directly in cash or indirectly through a credit card.
I don't have an issue with the fact that banks charge an
interest in their credit cards, but I am not comfortable with
the fact that banks typically charge full interest on the entire
outstanding balance if you miss a repayment.
The credit cards available in Nigeria usually have a 30-day
billing cycle in which you must pay the balance on the credit
card spent each month. Hence, if your credit card has a limit
of N50,000 and you make a N10,000 purchase, you will be
required to repay the N10,000 within the billing cycle. If you
repay the balance during the billing cycle, you will not be
charged an interest and you'll only be obligated to pay the
regular management and commitment fees.
However, if you do not pay your balance in full, let's
assume you only pay back N9,000 out of the N10,000 you
spent at the end of the billing cycle, you'll be required to pay
an interest on the N10,000 and not the N1,000 that remains.
Nigerian Credit Cards Lack REAL Credit
The third reason I think that you may want to think twice
before obtaining a credit card in Nigeria is that the so-called
credit cards usually require that the bank hold down at least
the equivalent of your credit limit in an account with them.
For instance, First Bank requires that you pay 125% of your
credit limit into a domiciliary account with the bank.
Hence, you will practically need to put the equivalent of your
credit limit up as collateral with the bank before they issue
you a "credit" card and I find it hard to understand how that
qualifies as a credit card.

He is a Victim of his own misfortune. I don't know what's in this useless Gay thing. Na wa oh... God help us.