hustla:



Thanks, I appreciate

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

I don't have any information on that. I think people setup direct debits to pay minimum balance. If you pay it off at once, no need to setup direct debit.

Credit card companies would suggest you pay like 10% of your debt as minimum. So, if you owe £240. You may be required to pay £25 as minimum each month.

That means, it will take you 10months to completely pay off and an extra £60 in credit card companies pocket.

That's why you want to pay off as much as possible.

Sassy256:
Goodday people,

Please help me explain the process of how I can receive funds at bank rate from Nigeria as a student.

Which banks does this the easiest from these;

First bank
Accessbank
Fcmb

Thanks all.

Help Please.

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.

Very apt....

jumpshot:
Please if someone made a mistake with their passport number on visa application is there any other respite apart from cancelling and starting afresh? Payment has already been made. If refund is requested, how long will it take? I mean practically not what they wrote on the site.

Someone please answer. Is there any remedy because me I no get money to pay for another visa.

hustla:



Thanks, I appreciate

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

It does not matter, it's better to use direct debit to avoid forgetting the payment. Also make sure your bank account is well funded before the debit date.

jumpshot:


Someone please answer. Is there any remedy because me I no get money to pay for another visa.

I think you can ask them to correct it on your biometrics date......

onecoder:

I don't have any information on that. I think people setup direct debits to pay minimum balance. If you pay it off at once, no need to setup direct debit.

Credit card companies would suggest you pay like 10% of your debt as minimum. So, if you owe £240. You may be required to pay £25 as minimum each month.

That means, it will take you 10months to completely pay off and an extra £60 in credit card companies pocket.

That's why you want to pay off as much as possible.

It's always wise to set up direct debit to pay off your complete balance every month to avoid paying anything extra to the credit card company .

mwenhen:


Thank you. I’m not being sponsored by the NHS so I guess the email will not work.

Hello boss. Any news from UKVI? Still waiting here too... mine is now 18 weeks since biometric

I said on one other thread - Master's degree in the UK is all about research and individual work, the lecturers only guide you through the process. When you heard about the council flats, the ideal thing to have done is look through your student visa terms and conditions before dabbling into it despite voices advising you to go for it. Always weigh your decision on both sides of the coin not one sided.

I agree with you that some Nigerians abroad may be deceptive but not all. Always weigh things before you take a decision on hearsay. Your reality may be different from the other person. One love peeps

Sinchester:


I commend your sincerity on this thread and you're one of the few people i have come to respect. Mind you, i have been on this thread longer before now. I only just read as a guest and i don't comment on this forum. The reason for my statement is this. I stumbled on one of the post where someone says students are entitle to go for council house. Well, before i stumbled on debates about the information council houses here by someone on this thread, i had already fallen into that mess. Let me warn intending people who want to take that information and run with it. Students are not entitled to Council Houses. Yes, its cheaper, but you are not entitled to go for it. Its public fund. I wouldn't want to go into details about what happened to me. But someone mislead me to fall into it and the council didn't take it easy. But pls, stay away from public funds/house or whatever if you're on a student visa.

jum33:
Please I need more details information on proper usage of Amex card and how to use it to build credit score

First off, if you are yet to sign up, please use my code:

https://americanexpress.com/en-gb/referral/cHINWN7Jmu?XL=MNANS

To answer your question, I use Amex for my daily expenses, but also make sure I monitor it.
So if my budget for the month is £100, I set up a direct debit from any of my account for that £100, and use my Amex to buy things. If somehow, I exceed my budget, then after the direct debit is done, I'd pay the balance as I usually have 7 days after my direct debit before interest kicks in.
I do not use it for massive purchases that I cannot afford (use PayPal pay in three for those)

I also do not use up to 30% monthly (because... you wan wreck me?? )
This has not affected my credit score in any way (but then I'm only about 3 months in). On the contrary, my credit reading has gone from Amber to a solid green, so I must be doing something right .
I hope I have answered you... the benefits are cool too, just like the avios points you rake. Sure helps when buying a ticket

Santa2:


Yes it does,so long as you work over 16 hours a week

Thanks.

Please has any student used IHS for eye services? Is it completely free please?

Only works for EEA family members

zxxtx:
Please house, I just got my brp and I have this issue when I try to prove right to rent/work, I used my passport and the same thing. I have also entered the correct details what could be the problem and how to rectify.

Newbie123:


Thanks.

Please has any student used IHS for eye services? Is it completely free please?

If you mean Opticians, like Boots or vision express or Specsavers, then the answer is: You pay if you are an adult.
If they refer you to spscialist, then yes that can be on the NHS (including surgeries).

#ThatIsMyPersonalExperience.

Just dropping this here before someone comes back to cry about Naija people being wicked and leading them astray - why would you even allow yourself to be led astray?

You see that credit card bandwagon you people are joining like kids in a candy store? That is the surest destiny killer in this part of the world. Unless you are financially savvy and properly disciplined, I would destroy that plastic today, if I were you - to avoid premium tears. I know some have given this advice in the past, but it hasn’t stopped the craze from taking roots on this thread. That’s okay, just don’t come back here to tar everyone with the same brush when you burn your fingers - trust me, some will get their fingers badly burnt (no be wickedness or ill will, the fact speaks for itself!)

PS: having a credit card is the best thing after bread and butter - who no like awoof? Infact, I have a couple myself. However, like swimming, you just don’t jump into the pool one day without adequate lessons, nor will you just start driving a car on the motorway without sufficient practice. It hardly ends well. You are better served taking your time to understand the system before exposing yourself to credit and all its potential woes. But what do I know? Me wey be say na ori olori I dey use

Enough said, let me come and be going.

Sassy256:

Help Please.

Access bank and it takes about 30 days I believe. You can request for maintenance/upkeep through Form A on https://www.tradesystem.gov.ng/landing/index.html
You would need to upload a series of documents including your approval to debit account letter, admission letter, telex copy of previously paid fees, passport data page, Bsc cert, upkeep breakdown from your university, Visa page and a few other documents, I can’t remember because I did mine a while back. Be sure to check your emails for updates as they may ask you to upload documents, if that is the case then you’ll have to do the process all over again until they approve it

icon8:
Just dropping this here before someone comes back to cry about Naija people being wicked and leading them astray - why would you even allow yourself to be led astray?

You see that credit card bandwagon you people are joining like kids in a candy store? That is the surest destiny killer in this part of the world. Unless you are financially savvy and properly disciplined, I would destroy that plastic today, if I were you - to avoid premium tears. I know some have given this advice in the past, but it hasn’t stopped the craze from taking roots on this thread. That’s okay, just don’t come back here to tar everyone with the same brush when you burn your fingers - trust me, some will get their fingers badly burnt (no be wickedness or ill will, the fact speaks for itself!)

PS: having a credit card is the best thing after bread and butter - who no like awoof? Infact, I have a couple myself. However, like swimming, you just don’t jump into the pool one day without adequate lessons, nor will you just start driving a car on the motorway without sufficient practice. It hardly ends well. You are better served taking your time to understand the system before exposing yourself to credit and all its potential woes. But what do I know? Me wey be say na ori olori I dey use

Enough said, let me come and be going.

Very true ......... Credit cards maxed out vs job loss ...... CCJ loading.........

What do we know, we go just bail, how den wan catch us, when nah ori o lori we dey use ........

Credit card = Debt card..... Know this and know piss (abi na peas or peace)............

Lexusgs430:



Very true ......... Credit cards maxed out vs job loss ...... CCJ loading.........

What do we know, we go just bail, how den wan catch us, when nah ori o lori we dey use ........

Credit card = Debt card..... Know this and know piss (abi na peas or peace)............

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

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

Una so-called elders don come again, abi?
Dishing out advice of variable quality to mislead recent immigrants about credit cards.

Make una repent o.

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

Questions like withdrawing £2000, from credit card ........

We the illegals would continually look from the sidelines...........

TheGuyFromHR:


Una so-called elders don come again, abi?
Dishing out advice of variable quality to mislead recent immigrants about credit cards.

Make una repent o.

Haha my oga, sometimes you just have to speak the truth and dare the consequences.

Of course, my unsolicited advice does not apply to every recent arrival, as a lot of them are already managing CCs even back home - those will have no issue, as it is not a new phenomenon to them, and they won’t mistake the money for free money

TheGuyFromHR:


Una so-called elders don come again, abi?
Dishing out advice of variable quality to mislead recent immigrants about credit cards.

Make una repent o.

Agba kin wan lojaa, ko ri ori omotuntun won nile ......... I try o ........

My cassava and àgbàdo, never mature. ........

Lexusgs430:



Questions like withdrawing £2000, from credit card ........

We the illegals would continually look from the sidelines...........

Lol imagine that

Lexusgs430:



Questions like withdrawing £2000, from credit card ........

We the illegals would continually look from the sidelines...........

Even me wey dey more stable than you as I dey UK on a Tier 2 visa shock as well o.

icon8:


Haha my oga, sometimes you just have to speak the truth and dare the consequences.

Of course, my unsolicited advice does not apply to every recent arrival, as a lot of them are already managing CCs even back home - those will have no issue, as it is not a new phenomenon to them, and they won’t mistake the money for free money

I had a cc back home.
No such thing as DDs, I was using a standing instruction to pay off and keeping an eye on my expenditure.
Once I travelled and swiped the card a few times while away. Came back and the exchange rate I thought I was spending at turned out not to be what the bank decided it would be (I used to work in a bank from the late 90s to early 00s and I thought I was familiar with all the banks' tricks as regards exchange rates, fees and all that, but apparently and sadly my knowledge was out of date), and long story short I overran my standing instruction amount and incurred interest (I did get a sort of reminder, but forgot, was a busy time at work at the time, we were doing what we are known for, retrenching people and employees were probably casting and binding us, who knows).

I exchanged a few broadsides with the bank about how their exchange rate wasn't what was expected, where did they conjure all those fees upon fees from, bla bla bla, they held firm, and to save my blood pressure, I just paid all the interest and closed the cc.

My point is that managing a cc in Naija takes some effort on one's part. Credit limits are a joke, and the bank would have carefully monitored/checked one's income before allowing you one. Here, all is made easy, so it's easier to mess things up and having a cc back in Naija doesn't compare in all aspects.

TheGuyFromHR:


I had a cc back home.
No such thing as DDs, I was using a standing instruction to pay off and keeping an eye on my expenditure.
Once I travelled and swiped the card a few times while away. Came back and the exchange rate I thought I was spending at turned out not to be what the bank decided it would be (I used to work in a bank from the late 90s to early 00s and I thought I was familiar with all the banks' tricks as regards exchange rates, fees and all that, but apparently and sadly my knowledge was out of date), and long story short I overran my standing instruction amount and incurred interest (I did get a sort of reminder, but forgot, was a busy time at work at the time, we were doing what we are known for, retrenching people and employees were probably casting and binding us, who knows).

I exchanged a few broadsides with the bank about how their exchange rate wasn't what was expected, where did they conjure all those fees upon fees from, bla bla bla, they held firm, and to save my blood pressure, I just paid all the interest and closed the cc.

My point is that managing a cc in Naija takes some effort on one's part. Credit limits are a joke, and the bank would have carefully monitored/checked one's income before allowing you one. Here, all is made easy, so it's easier to mess things up and having a cc back in Naija doesn't compare in all aspects.

You are spot on.

But again, like driving, I am of the opinion that driving back home should at least take care of the ability to drive. What is left, is to forget all the bad habit and learn the good ones required to drive here. The practical knowledge should be there already, what remains is to brush up the theoretical knowledge and learn to be disciplined.

However, what works for A may not necessarily work for B, and there are some in the school of thought that it is easier to come here without the old Naija driving habits, and start here on a clean slate - as old habits die hard

In any case, a very good knowledge of CCs is essential before applying for one - to avoid stories that touch.

icon8:


You are spot on.

But again, like driving, I am of the opinion that driving back home should at least take care of the ability to drive. What is left, is to forget all the bad habit and learn the good ones required to drive here. The practical knowledge should be there already, what remains is to brush up the theoretical knowledge and learn to be disciplined.

However, what works for A may not necessarily work for B, and there are some in the school of thought that it is easier to come here without the old Naija driving habits, and start here on a clean slate - as old habits die hard

In any case, a very good knowledge of CCs is essential before applying for one - to avoid stories that touch.

Right you are.

Newbie123:


Thanks.

Please has any student used IHS for eye services? Is it completely free please?

Only in Scotland.

Lexusgs430:



Questions like withdrawing £2000, from credit card ........

We the illegals would continually look from the sidelines...........

How person go withdraw with CC?

Maximum online usage in a month is 20% for anyone and its should be already in the user bank account to pay back full via direct debit....

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

TheGuyFromHR:


Even me wey dey more stable than you as I dey UK on a Tier 2 visa shock as well o.

You stable pass stable coin ........ USDT got nothing on you ........

hustla:



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 weight decisions for up to a year before diving into it

The bolded is not good enough.

Good choice on taking your time though.

icon8:


The bolded is not good enough.

Good choice on taking your time though.

K