Hello House,

I am trying to get a credit card from American Express but they rejected my application. I have an 808 credit score from Experian. When I was filling out the form, I was asked to fill in 3years address in the UK but I have only stayed for 1 year. I would like to ask if that was the reason for the rejection and if there is a way around it. Thank You.

Waiting for your responses.

Need advice please
How long after getting into UK would someone have a credit score? Been here since 2nd week in June on a dependent visa. Not started working yet. Have an account with Lloyd, Monzo and Revolut.
Just rented an apartment this month though and haven’t started paying any bills.
Just want to know if anyone has an idea of when one can start having credit history

justwise:


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Solution provider

There are other factors checked by the CC companies not necessarily your credit score.

For example if you are registered to vote in an area, how long you've lived there, frequency of bills paid (credit history) earned from paying for example utilities, council tax, phone contract etc.

They also want to know you are earning income in the country. The number of years don't matter really.

Jaylord11:
Hello House,

I am trying to get a credit card from American Express but they rejected my application. I have an 808 credit score from Experian. When I was filling out the form, I was asked to fill in 3years address in the UK but I have only stayed for 1 year. I would like to ask if that was the reason for the rejection and if there is a way around it. Thank You.

Waiting for your responses.

First have you registered to be on the electoral roll? Very important in building your credit history. Do you have a contract phone that you post pay? You start having credit score recorded for you immediately you start making payments on your bills. Signing up on Totally Money, Experian and other credit reporting platforms might help too.

Good thing you can report your rents as well... Will share the link below for you to sign up for free after doing your due diligence on same.

Use the following to report your rent payment to report the rent payment to credit agencies.
2. Credit Ladder sign up using my referral https://www.creditladder.co.uk/join/4kN2nMj0DmjpABDL),

3. Loqbox (sign up using my link https://www.loqbox.com/en_gb/loqbox-invite?referral_code=SZJ9DXFXHX&referral_channel=link)

crossbonehelped:
Need advice please
How long after getting into UK would someone have a credit score? Been here since 2nd week in June on a dependent visa. Not started working yet. Have an account with Lloyd, Monzo and Revolut.
Just rented an apartment this month though and haven’t started paying any bills.
Just want to know if anyone has an idea of when one can start having credit history

Lexusgs430:



Still within London/united kingdom........🤣😜

stop famzing

Lexusgs430:


If I have a big purchase, I simply apply for another card and put purchase on card....... Enjoy 24 months interest free period + S75 protection (then clear balance before interest free period is over).......😜

THis CC is for who is fully employed no be for 20hrs folks like us

babajeje123:

Solution provider

KOVIC19COVID20:



Many thanks bro.

I just dey find clipper wey I go enter bathroom, shave All my hair skull. Nothing fancy.
Shave armpit. Shave genital area. Finish my bath. Comot from bathroom. No fuss.
I guess the small one would be the suitable one then?

Absolutely...... No go comot your cassava o ......😜😂

Jaylord11:
Hello House,

I am trying to get a credit card from American Express but they rejected my application. I have an 808 credit score from Experian. When I was filling out the form, I was asked to fill in 3years address in the UK but I have only stayed for 1 year. I would like to ask if that was the reason for the rejection and if there is a way around it. Thank You.

Waiting for your responses.

Why only American express.........

Why una dey pack credit card like rubber band?

Please suggest others that I can apply for

Lexusgs430:



Why only American express.........

Abeg how can I generate my loqbox referral link ?

bigtt76:
First have you registered to be on the electoral roll? Very important in building your credit history. Do you have a contract phone that you post pay? You start having credit score recorded for you immediately you start making payments on your bills. Signing up on Totally Money, Experian and other credit reporting platforms might help too.

Good thing you can report your rents as well... Will share the link below for you to sign up for free after doing your due diligence on same.

Use the following to report your rent payment to report the rent payment to credit agencies.
2. Credit Ladder sign up using my referral https://www.creditladder.co.uk/join/4kN2nMj0DmjpABDL),

3. Loqbox (sign up using my link https://www.loqbox.com/en_gb/loqbox-invite?referral_code=SZJ9DXFXHX&referral_channel=link)

Lexusgs430:


Absolutely...... No go comot your cassava o ......😜😂

Crazy!

See here https://app.uk.loqbox.com/save/invite-a-friend

harddrive2012:
Abeg how can I generate my loqbox referral link ?

Jaylord11:
Please suggest others that I can apply for

Check your Experian account and they'll show you cards you're eligible for

Solumtoya:


He wants to earn more for calling in sick

I just wanted to understand the thing ni o, cos I was surprised when I saw the payslip. Was able to get more info online and I understand it better now

Jaylord11:
Please suggest others that I can apply for

Just conduct an eligibility test first..........

gmacnoms:
But Las Las , you still pay every penny . No be free money abi?

This is the idea behind credit (especially the interest free ones)

If you want to buy something of 1k and you have the cash, rather than pay the 1k cash, you can put it in a high yield investment account for it to generate interest while you pay the credit small small. So before you exaust the 1k on the credit, it would have generated money for you.

There are stocks that you'll buy and if you are lucky, it will generate all the money to pay the credit.

igbsam:


Well, some people see it as being financially organized. According to his words. His argos card is for argos shopping, his tesco card is for tesco, sainsbury card is for sainsbury, aqua is for drinks, capital one is for Chinese meals, amex is for vacations. Quoting my colleague.

Having more credit cards is a more dangerous game, not many people can play. In UK, the ideal is 2 or 3, then balance transfer cards for well-thought out heavy expenses with extreme discipline.

https://www.thesun.co.uk/money/23661875/debt-app-improve-credit-score-money-traps/

Jaylord11:
Please suggest others that I can apply for

Don't. Don't go applying for random cards. You'd kill your small credit score. Use an eligibility checker, Experian has it. Check for cards you're 100% eligible for, then apply.

Does KLM or Lufthansa still require transit visa?
They seem to be the cheapest from Lagos for the next few days.

Anyone who has used them recently please advice.

Exactly. Only for the strong hearted like oga Lexusgs430 I make sure I pay up in full, I'm not a fan of the pay part of the balance each month ....mba That's me though, make den nor come drag me

Solumtoya:


Having more credit cards is a more dangerous game, not many people can play. In UK, the ideal is 2 or 3, then balance transfer cards for well-thought out heavy expenses with extreme discipline.

https://www.thesun.co.uk/money/23661875/debt-app-improve-credit-score-money-traps/

bigtt76:
Exactly. Only for the strong hearted like oga Lexusgs430 I make sure I pay up in full, I'm not a fan of the pay part of the balance each month ....mba That's me though, make den nor come drag me

I have only 1 credit card.....no strength for multiple cards...

You nor get liver 🤭🤣🤣🤣

ukay2:


I have only 1 credit card.....no strength for multiple cards...

bigtt76:
Exactly. Only for the strong hearted like oga Lexusgs430 I make sure I pay up in full, I'm not a fan of the pay part of the balance each month ....mba That's me though, make den nor come drag me

We only live once ........ Enjoy life ....... 😜😂

Make I get money for pocket or neck ....... Make i sha get liquidity.......😜😂💰

Unbelievable Liquidity. dat is

Lexusgs430:



We only live once ........ Enjoy life ....... 😜😂

Make I get money for pocket or neck ....... Make i sha get liquidity.......😜😂💰

bigtt76:
Exactly. Only for the strong hearted like oga Lexusgs430 I make sure I pay up in full, I'm not a fan of the pay part of the balance each month ....mba That's me though, make den nor come drag me

Bolded is the way to go for typical CC. But for 0% purchase cards, you can actually spread out the balance on the card. The important thing is to clear the balance before the promotional period ends. It is actually a great tool to have if one is disciplined enough to manage it.

Solumtoya:


Having more credit cards is a more dangerous game, not many people can play. In UK, the ideal is 2 or 3, then balance transfer cards for well-thought out heavy expenses with extreme discipline.

https://www.thesun.co.uk/money/23661875/debt-app-improve-credit-score-money-traps/

In her case, it was pure greed...... Because they offer you credit, does not necessarily mean you should take it all........

Did she have to buy a £12,000 vehicle (that she clearly could not afford)....... What happened to buying a vehicle of £2000.........

I get offered loans on the average of twice a week (I simply delete the emails).... Also car finance deals, I simply look the other way........ 😜

Financial discipline is key and very important, in all you do........ 🤣🙄

You must be on expired kolos, to take a 118 118 loan (49.90 APR)........ 😁😜

House,
for someone whose destination is Manchester, but want to fly London, which of the airport is best to fly considering proximity and ease to move to manchester, Heathrow or Gatwick?

Juwon21:
House,
for someone whose destination is Manchester, but want to fly London, which of the airport is best to fly considering proximity and ease to move to manchester, Heathrow or Gatwick?

Luton is better, because you just hit the M1 (but you did not offer us Luton)....... 🤣

Heathrow - M4 - M25 - M1.......

Gatwick - M23 - M25 - M1........

No difference...... 🙄😁


Just get a coach or hop on the train........ Taxis would be expensive.......