Hello family ,for those that have made use of turkish airline to get to Machester ,is it compulsory for a nigerian to get a turkey transit visa

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.

The rules of CC usage are simple: ensure you pay at least the minimum balance (usually 10% of your usage as at the statement date). So if your cycle is 1st to 30th of every month, on the 30th, you get a statement saying you have used £2,000 and you are given a grace period (typically extra 14 to 23 days) to pay back 10% or more, and whatever balance is unpaid, interest will be charged to the card after the grace period. During this grace period, the next cycle has obviously started running. And the next month balance will sum of what you spent in the month, plus the unpaid balance from the previous month and the interest added. IF YOU DON'T PAY THIS MINIMUM, YOU HAVE DEFAULTED.

Now, the main reasons why CCs are a brilliant facility are evident:
1. Their Interest-free periods means you can use them without ever paying interests: to do this, you must pay everything in full as the interest only starts counting on the unpaid balance after the grace period. An exception is usually Cash Withdrawals, Interest on Cash Withdrawals start counting immediately. Another evil trick of Cash Withdrawal is usually that their interest is higher. There's another evil of Cash Withdrawals but it might be a little technical to explain in this post. Just avoid Cash Withdrawals if you don't want interest
2. CCs are revolving, meaning they are like Overdrafts, not Term Loans, so if I have a limit of £6k, when I spend it and repay, my full limit is re-instated, so I don’t need to re-apply (ever) unless I void the contract. 3. Rewards: Most CCs earn you Miles, Points, etc for usage and referrals.
4. Fees: Many CCs come with little or no extra fees to the Cardholder. I could go on and on.

So, pretty much, you can use your Debit Card for only Cash Withdrawal and use Cash for non-Card payments, while you use your CC for everything else and pay little or no interest while building your credit score.

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. They deep their hands into it at the slightest opportunity and end up living above their means. CCs are very addictive so don't get a CC if you love to spend, the CC provider would love you and keep increasing your limit and you may land in a gloomy state: you earn just £2k monthly and are given a £6k CC, as you spend and spend, they keep increasing the limit and before you know it, you have a £20k CC fully spent on that Funeral you sponsored in Oshogbo and that trip to Turkey. How will you pay You break the card and start paying back £600 monthly, but that covers only the interest and the amount is NOT reducing every month. You realize you are stuck and have fallen for our trap and that is how we make our interest income and cover for those who are using the card wisely.

I'm sorry this post was really long, I even had to cut this short because I could go on and on about the benefits of CC (purchase protection, chargeback, acceptance, etc, the financially wise know this and hardly ever use Debit Cards but enjoy the benefits of a CC. The financially foolish use CCs to have fun for a few years or months and spend the rest of their lives as slaves to it. The choice is yours!

Very insightful ,I can never thank you enough for this wonderful write up, wish you can touch more on the bolded or you can help create a separate thread dedicated for CC as an authority where they can be QA and much more. This kind of rich content will serve as foundation for financial education 101 for we the uk JjC .

Please I need more details information on proper usage of Amex card and how to use it to build credit score

yomiz004:
During my care work visa application, I only uploaded documents requested on my checklist ( criminal record, TB test and passport).I didn't upload my ielts UKVI result,but I quoted my ielts reference number during my application. Is this safe.

If you have gone for your Bio ,TLS can still upload it for u for a fee

Jaybadestboy:
Hello beautiful people. My pof started counting on the 17th of last month. I want to kindly ask if I can start my application from tomorrow which is 18th. Thanks

Yes it ok

jesusbae32:
Good evening all

Please has any dependents to join spouse applied within 3 weeks and got a response…

Thanks

Sure .

Poanan:


Hmmm... just thank God at the bolded but dont advise anyone this. Some people did and were not lucky. That is why people apply with 30 to 31days to avoid any story.

It easy for VO to overlook 27 days,those guys are pychologist and analysts, they can easily read in between the line and make it up for you even without sending any nsq ,the worst thing thjng that happen is to have some delay in your decision making due to VO taking extra time for more scrutiny

@Justwise @DisGuy ,this thread will need to be removed before spouse and dependant started getting denied because of some few bad eggs

Champay:
Mountain moved this morning from DMC back to VAC. Although its not yet saying received by VAC yet. Can I go collect my passport now.

Does applicant always get a mail from ukvi for each movement or you just have to be checking the tracking system?

Estroller:
Try Amex
https://americanexpress.com/en-gb/referral/oLUWAoIaVU?XL=MNMNS

Their approval rate is high at the moment so you stand a good chance even if you've not been in the UK for so long. If you use my referral link to register, we both get some bonus avios points.



NB: Please be very mindful of how you use your credit card. To be safe, make sure you set up a direct debit to pay off your balance in full every month.

Ok ,thanks .And what are the dos and don't rules of having this kind of credit card.

Deering1008:
Hello gurus in the house, I went for biometrics on 30th of May to join my husband in the uk as student dependant but got a mail on 20th of June to send documents proving a subsisting relationship with him which I did as advised by professionals here. I made a paid call last week Wednesday to know the status of the application and I was told a decision has been made but up till now the application is still at DMC on TLS. I have not received any mail since I sent the additional documents. What can I do?

Since you have been told that decision has been made ,then there is else you can do except to wait .

Hello family,
Is a skilled worker that has spent up to 4 month eligible to own a credit card and if yes, what are the options of credit cards available

Lexusgs430:



Does he have a credit card ..............

Not yet ,he just been in uk for like 6 months or so.

ednut1:
how much is he budgeting for the trip in Canada. Potential expenses. Hotel, tfare, tourist attractions, feeding , shopping etc

Probably like 700 Canadian dollar in all as his
Canadian host will take of his accommodation and feeding ,etc while he is in Canada ,he only need to cater for his flight alone

Firefox01:
If he's in the UK, he doesn't need to bother. He'll most likely get the Visa than not, lol. Applying from Nigeria is another pot of beans entirely.

This is the query on the application that actually brought about this question

Lexusgs430:



Minimum balance not required.............

Is the person in full time employment............

Yes he is a full time .
What do u think he can show as minimum for this question on the application

Family ,
Pls what is the minimum balance to have in ones account for a Canadian visiting visa application .
The person concerned is a nigerian - skilled worker in uk and planning to visit a family friend based in Canada and spending only a week .
And are there any other requirement ,he might still need to fulfill for a successful application

Family ,
Pls what is the minimum balance to have in ones account for a Canadian visiting visa application .
The person concerned is a nigerian - skilled worker in uk and planning to visit a family friend based in Canada and spending only a week .
And are there any other requirement ,he might still need to fulfill for a successful application .

Claudia00:
Greetings all!
Please,how can I get an urgent appointment for TB test in Lagos?

They can even give you the privilege to do the test that same day is there is a letter to the proof of the urgency.

duchess90:
Hello,

Don't be confused, you don't need to scan it.

Since it is self upload,you know what you uploaded and should tick it appropriately for your record.Some TLS will ask you to tick it at the centre some won't bother


Relax

Cheers

Thanks for your quick response and allaying my anxiety.You are life saver .

I did my biometrics yesteday and I did self upload taking that particular page of the checklist page that you tick and sign with me to TLS for submission ,however I was confused when one of the officer told me that I won't need it and eventually nobody took it from me .Or must I supposed to have ticked ,signed ,scanned and uploaded it as part of the other credentials as I didn't eventually include it ,please I am confused here o.

Is religious marriage certificate is as well acceptable as proof of marriage or is it compulsory it must be court.
.Hope there havent't been any case of denial cos of marriage certificate not being court as I intend to make use of my church marriage cert for ukvi application

Oracle55:
please how do i get a cencent letter please

The format is all over the internet ,u can Google it when you are ready .

Oracle55:
must u prepare a concent letter?

It is must if your kids are coming with you to uk .

giselle237:
go yourself pls.. it is less than 5k

The person said it is a new directive from headquarters that came out just today.

A friend just told me that police clearance is now 30k @ alagbon ,can anyone confirm pls.

duchess90:
Hello,

Both can sign electronically ( take a picture or scan your signature and upload on the document)

Or use apps that can share document for each other to sign example Docusign app, then you download

Cheers

Thanks for the response

Deering1008:
Hello just wise and gurus in the house, I got this mail today and need advise on the type of document to add in other to support my application. Me & my husband have been dating for 2 years before he moved to the uk on study visa last year September. He came home for marriage January 2022 and I uploaded our marriage certificate and news paper publication while applying for visa but I got a non straight forward mail today stating they need more documents to prove our relationship. What additional documents would you suggest I send to them? Please urgent response is needed. Below is what the decision making centre sent.

Dear XYZ,

Regarding Visa Application: XXXXXXXXXX
For: XYZ

The UK Decision Making Centre is currently assessing the application submitted by the above named. We are unable to conclude the application at this time as we require additional information.

Please provide further evidence of your relationship to the main applicant as you have only submitted a marriage certificate. The fact you have demonstrated your marriage took place does not act as independent corroboration you are in an ongoing, subsisting relationship.

Please send this as a scanned attachment within 10 working days to: Sheffieldstudentteam.docrequestsInternal@fco.gov.uk quoting your application reference in the subject line. Please attach the document directly to the email as we are unable to access links to files hosted on sites such as Dropbox™ or Google Drive™. Please also include a translation of the document provided if it is not in English or Welsh.

Kind regards,

UK Decision Making Centre

This one is a simple one na
The list of evidence is inexhaustible
1. Flight tickets bought together
2. Evidence of wife financially depending on the Husband by showing summary of money Transfered btw one another
3. Children births certificates
4. Family photos when Dating, wedding and children birthday, etc
5. Your can even display individual bank account showing same address to show that you are living in the same address
With these self na them go tire for evidence self

For those that their MA is already in uk and dependant still in nigeria . In course of preparing the consent letter for the children, how will you get both parents to sign to sign the letter.

Is it compulsory I must physically go to my bank to request for my pof stamped and signed statement of account ? What about if my bank offer online signed and stamped statement that I can easily generate via online platform,it available on gtbank, is it acceptable .

Davidandgo:


Someone had suggested I wait till midnight which I’ve done and still there are no time slots available. Someone please share your experience on the workaround.

Thanks

But a friend got booking for TLS ikeja 29th of June this yesterday .Refresh your browser

Happy Sunday,I am still straggling with this understand of 28 day proof of fund rule o for example: assume my fund has been in my account for from like 20st of May and I submit my application today which is 20th of June, ,following the rule ,
1. What is the date range I will need to print assume I am uploading my pof on 25th of June
2. What is the deadline to the date of my uploading of pof .