₦airaland Forum

RalphJean:
Bruv…why was the first time the only time nah?

Brooooooooooooo!

I applied for a support worker role o, not care worker. Got there and was shocked

I made mouth that I will resume 8am and leave 8PM thinking it doesnt involve personal care (they never mentioned it during the interview). I left or should I say ran away from there at 2PM

Got there and the ailments / condition some people are in is truly mind blowing; you'll just start to doubt God and your mental health starts to take a dive. Some people like it though, I am not just one of them

It doesnt make sense to me though. People who work in mental health / supported housing make the same money for more than half the stress

Information is key though, as some people dont know supported housing, assisted living etc exist

TheGuyFromHR:
Note that I didn't dispute the fact that a caregiver can be negligent. Of course anyone can make an error. Even if not as the poster put it - I don't think staff "carry" residents in care homes, for instance.
It's the sentence I find somewhat implausible.

They do, but not by hand

For instance, the first and only time i went to work at a care home, we used hoists; something like a mini human crane

That hoist thing to me is very dangerous cos if you do not take time to strap the patient in well, they can fall and hit their head

I have attached a picture of what it looks like

Amarathripple0:
Your CC won’t work for PayPal pay in 3. Atleast it never works for me. Paypal rejects it

They're being smart

TheGuyFromHR:
Not to encourage people working in care to be less careful, but in a situation like that described, I seriously doubt that a court would hand down a custodial sentence in the first place.

Right

TheGuyFromHR:
Section 75.

I am checking this https://icm.aexp-static.com/globalcardapp/cards/gb/content/en/consumer/prospect/ba-classic-credit/ba_classic_credit_121_tnc.pdf

The card itself is yet to come

TheGuyFromHR:
Unless their barrister was probably also black, Nigerian, and a student as well, they should have been able to make a reasonably good case in mitigation.

That story has been. circulating on telegram for some time now, i seriously doubt its authenticity

TheGuyFromHR:
If you are using PayPal Pay in 3 for something worth more than 100 pounds, use your credit card in your PayPal wallet as the underlying payment instrument in case you have to revisit the matter.

Insurance claims yeah? or is there any other added advantage?
I am going through the CC docs at the moment

Solumtoya:
So Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.

Most folks here are trying to build Credit Score and to be very honest, CCs are the easiest way to do so. There are so many other ways, of course, and you should do them: Registering in the Electoral Register, Setting up Direct Debits for Utility Bills, Phone/SIM Contracts, etc but from experience since these are not Credit facilities, they may not boost your score as much as a CC.

Bro, quick and funny question

Can CCs be used for BNPL purchases like PayPal's Pay in 3?

Since PayPal's Pay in 3 now reports to credit agencies, can you use one bird to kill two stones that way assuming you always pay off your cc on time? Or will this be a flag to credit agencies and impact your ratings?


I am just curious

Bourne007:
Op is on dependant visa hence Permission is not required. I think you are mixing it up with T2

OH yeah, didn't see the dependant part
tjsadiq please take note

tjsadiq:
My good people. Pls. I need an advice. I work part time with a care (3 nights a week), however, got an entry job with a multinational (hybrid working). My dilemma is that the multi national isn't ready to sponsor as I have valid dependent visa (tier 4) till 2024,however the care home wants to sponsor me. My question is it legal and possible to work both In order to get sponsored? I welcome your opinions and suggestions.

From what has been answered here previously, I believe you’ll need to get permission from the care home to work with the multinational
Scroll back a few pages, a link to the gov.uk website was shared to back it up

mex551:
https://americanexpress.com/en-gb/referral/eMeKAOydtG?XL=MNANS

Avios loading for you

Chiedumaga

I can help you buy what you want to buy on Udemy

Any number of Courses

LoveTalk:
Sorry dear.
I don't even know what to say since it's up North.

Using of Cotton buds to clean the ear is not advisable at all.

And please don't be sad.

So what do you use to clean it?

Solumtoya:
If I don't do it, this article from Lloyds Bank will help. It has over 12 tips to improve your credit score in there so promise fulfilled!

https://www.lloydsbank.com/understanding-credit/how-to-improve-your-credit-score.html

Funny enough, I was at Lloyds yesterday and got the paper copy of this exactly writeup

semmyk:
[CC Credit, debit ...]
^{I hope everyone kept safe this last red & amber days. Congrats on being part of UK history (weather wise). Oh, isn't BJ's resignation (Queen at Balmoral and no of ministers/aides resignation) historical just like Iron lady Thatcher was. #justsayingnio}
Herewith some info, freely given unsolicited but any can leverage solicitors.
1.0 credit card(s) plays a critical role in flexible living and mobility: aka convenience
[/sub]

Thanks boss
May your days be long!

Solumtoya:
So Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.



Now, as beautiful as it sounds, in my 7 years as a Credit Card Product Manager, I have seen so many people wallow in heavy credit card debts. The truth is most humans are not just disciplined enough to handle such an allowance of funds.

Thanks

Glad someone in the line could give some expose about everything

I appreciate

Enuguguy:
I planned to marry in 1st week of November 2022 and bring my wife to UK immediately with me
When do I suppose to start my visa application
NB..we don't have any marriage certificate yet
Nairaland help a brother

Go to the UK student visa thread

You'll get all the help you need

Solumtoya:
I will do another long post later, hope I remember, on how to inprove your credit score. Will just try and give about 10 - 20 tips we can all use.

Reminder

Choi, plenty to read through

Solumtoya:
Not to worry, you don't really have to know what a CCJ is to use a Credit Card. CCJs are like the judgement you get as resolution between a Creditor and Debtor, like a Court case.

Thanks Chief

F393:
So it’s best to have 2 account 1 debut and credit card ?
Or you can’t do that in the Uk

Dont think theres a specific way to do it

Just set up direct debit for your bills or pay manually in time - spend only money you have at hand on your cc to avoid shalaye

Lexusgs430:
Oga, in our jokes ........ Usually lays gems .......

We can't take life too seriously , from that CC post, you have to agree that one or two nuggets dropped......

How many is the life

Weird weather today.. And it says it'd rain at 10PM

Amarathripple0:
At some point in OP’s life, he or she didn’t know the meaning of CCJ. We learn new things everyday. He or she could have done a mini education on how credit cards work and how to pay it off or at best share an insightful link but no, they (the poster) had to write an epistle and allude to the fact that if you are a newbie in the UK, then you must not be financially literate enough to own a credit card.

Its just funny

As if the other elders who have been dropping knowledge about CCs are mental or mumu people

If you have some knowledge, share and keep it moving or just keep quiet

Trying to act like the all knowing on a faceless forum is just weird when you don't know who else has some knowledge you probably need

To each his own, I guess

icon8:
The bolded is not good enough.

Good choice on taking your time though.

K

icon8:
I am sure many cardholders don’t even know what CCJ means, or its ramifications for the card they are holding.

The nature of the questions I see here, supposedly from those who are already using CCs, is mind blowing. Shouldn’t the in-depth research precede the application? To me, learning from personal experience could be very costly. But again, what do we know? Lol

Instead of writing stuff out like this, why not educate us about what CCJs are?

Yet to get a CC btw but I like learning how things work in advance and weigh decisions for up to a year before diving into it

onecoder:
No, it's a personal preference.
While you can pay back immediately you spend on the card. It's better after your statement has been generated
If you pay back immediately you spend, by the time your statement is generated your account will have £0 spend.
So things like your credit utilisation won't be computed.

Thanks, I appreciate

Does it matter if direct debit is set up from my Monzo or Chase?
Does it matter to credit agencies?

onecoder:
Yes, if balance is cleared within that 21 days after your statement is generated. No interest.
I use amex and have been using it only for bulk purchases not everyday payment cos to spend dey sweet .
And this is what I noticed using this credit card to build credit scores.
1. You have like 21 days after statement is generated to clear your debt (balance).
2. If your credit utilisation is below 30%. It will be reported and will reflect on your credit scores.
3. Always clear your balance after your statement for the month has been generated or pay minimum.

Does it matter if it's spent on bulk or small purchases like bus rides, petty expenses?

One might not have bulk purchases every month you know

I actually thought the payment is due immediately at the end of the month, didn't know there's a 21 day period where you can make the payment

Solumtoya:
Interest is only one of the income lines for Credit Card Companies, there are so many other ways they make money. Also, many people still do not pay down fully on time. One financial hit and the Cardholder who had a perfect record of paying on time enters debt and struggles to bounce back for years. Credit Card is a very profitable product for FIs.

If one enters bad times, can't the credit card be terminated and just take a slight hit on credit levels... Instead of falling down completely like btc

Lexusgs430:
Don't feel sorry for them ......... They make loads of money...........

They have the legal licence to mint money ........

Issorai

Lexusgs430:
That was when I was in the world & of the world ......

Show us way, those of us still in the world

TheGuyFromHR:
Seller pays a fee to the credit card company when you use your credit card.
Nothing's free anywhere, someone's always paying something somewhere.

100% true
Nothing is free even in Freetown