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 weigh decisions for up to a year before diving into it

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.

London and Dartford on fire. Baba Lexus, how far?

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

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

icon8:
London and Dartford on fire. Baba Lexus, how far?

Opelope oyinbo onile keji....... ......

hustla:



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 done knowledge you probably need

To each his own, I guess

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......

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

ukay2:


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....

Says who? Is this what you advice? Let’s separate advisory from fact.

Mamatukwas:


Says who? Is this what you advice? Let’s separate advisory from fact.

na my own personal advise i de use ooo....

i no be elder ma

hustla:



How many is the life

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

F393:


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

You have have 10 of each, if you want to .......

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

Pls as someone on a tier4 visa, asides the 20hrs per week, can one do an online business? Like buying and selling online

Queengolden:
Pls as someone on a tier4 visa, asides the 20hrs per week, can one do an online business? Like buying and selling online

You wan make we use whole mouth talk am ..........

You sabi the rules....... If you want to .... Leave no skid marks.........

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......

To be honest sha, no nuggets dropped. Just some old timers, old timing

davide470:
To be honest sha, no nuggets dropped. Just some old timers, old timing

To you, it seems nugget-less, to others it might be very fleshy juicy nuggets .............

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.

Thank you for this information. I was in the habit of paying everything almost immediately. It now makes sense to wait for statement first.

Is it if you don't pay anything immediately after statement is generated that it can be said that you have missed a payment or after 21 days of statement generation?

Viruses:

Thank you for this information. I was in the habit of paying everything almost immediately. It now makes sense to wait for statement first.

Is it if you don't pay anything immediately after statement is generated that it can be said that you have missed a payment or after 21 days of statement generation?

When you receive your statement it will have a deadline payment date. Try to pay anytime before the deadline. You can pay the statement balance if you don’t want to pay interest . Minimum balance is like paying mortgage on your CC. You can also pay more than your statement balance if you want to balance out the next statement balance. (Just in case you have spent more and it hasn’t shown on this statement but might tip over the next statement balance).

Viruses:

Thank you for this information. I was in the habit of paying everything almost immediately. It now makes sense to wait for statement first.

Is it if you don't pay anything immediately after statement is generated that it can be said that you have missed a payment or after 21 days of statement generation?

The due date is what you should not miss.
For example, my billing cycle Is 27th of previous month to 27th of current month and I get statement let say the next day.
When your statement has been made. You will have a payment due date of which you can choose to pay minimum or clear everything.
Payment must be made on or before that due date else it is missed payment.

Walexwal:
Hello everyone, Happy Sunday.

Please all, kindy advise a friend on these issues.

1. Does it make sense to collect a council house given to one by the council? PS: Housing rent is paid/covered by UC.
2. Does it make sense to rent a new or old build council house? PS: New build is in Council tax band E
3. Is it a good decision to buy a council house or rather buy a normal house?

Thanks

At the risk of flogging a dead horse, does your friend have a settled status in the UK? If the person is on a student visa or work permit, Council Housing is public funds and accessing this will jeopardise their future chances of getting ILR.

What's with the posturing going on between oldies and newbies? Statements made by oldies seem to be rubbing the newbies raw and vice versa.
Can we like go back to times when advice was given in a cordial manner w/o making it seem like 'I know better'? (That's definitely bound to rub off folks in the wrong way). On the other side of the coin, can advice be accepted w/o being spit on or calling out unnecessarily? Before you take anything on this forum as law, take time to make your research, discuss with a good number of people on & off this forum, weigh it, and come to a decision that you can own as yours w/o pointing fingers.
All these "tongue-in-cheek" remarks from both parties just get as e be

be like say some pipu dey get headache as Amex dey allow new residents get credit card

TheGuyFromHR:


Only in Scotland.

KOVIC19COVID20:


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.

Thanks for your response

DeeOneBangin:
be like say some pipu dey get headache as Amex dey allow new residents get credit card

Haba Oga, nah pésin wey chop the chop, go shit the shit ............

Does the 20 hour term time and no max hour out of term time applicable to a teacher on teir 2 please.

Just wondering, as teachers only get paid for the 9-months of work spread over 12 months and it's more like I will record no working hours during the holiday. Someone is ready to make some extras......

Lexusgs430:



Haba Oga, nah pésin wey chop the chop, go shit the shit ............

You no lie bros

Ancient baba!!! I greet you jare, you na person.

jadepinkett:
What's with the posturing going on between oldies and newbies? Statements made by oldies seem to be rubbing the newbies raw and vice versa.
Can we like go back to times when advice was given in a cordial manner w/o making it seem like 'I know better'? (That's definitely bound to rub off folks in the wrong way). On the other side of the coin, can advice be accepted w/o being spit on or calling out unnecessarily? Before you take anything on this forum as law, take time to make your research, discuss with a good number of people on & off this forum, weigh it, and come to a decision that you can own as yours w/o pointing fingers.
All these "tongue-in-cheek" remarks from both parties just get as e be

No, no, you're reading too much into it.
They've just been joking and making reference to someone's previous statement in which he rubbished "90%" of the stuff written here, asserting that people were trying to form "elders" and were actually illegal immigrants or immigration fraudsters or something along those lines.

[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
2.0 having a CC is a lovely thing, if not better than blue band margarine or Irish butter on bread (though for Agege bread, it's still ẹwà agbọnyin). However, having one and using without essentials can be catastrophic just like a person getting on the public road without appropriate training alongside authority inter-alia #license
3.0 the bar to CC is now generally low; not only in the UK
3.0 Funds in CC are available for use 'freely'. Yet, they are just nothing more than #loan.
4.0 however, on the +be side, the funds in CC unlike direct loan may or may not attract interest immediately.
4.1 if you use CC to effect payment (swipe, tap, insert), the amounts will accumulate for a billing period (typically for a month). Thereafter, you'll get a statement indicating amounts spent during the billing cycle and when payment is due. You will quickly observed that
4.1.1 amount to pay is typically not the full outstanding balance as stated. It is generally a %. This is termed minimum amount due. This is the trick of the CC provider. DO NOT fall for this. Rather, pay off total outstanding amount. If for any unforeseen circumstances you can't pay in full, pay at LEAST the minimum and payoff the full amount (+ interest) within the next 1 or 2 month MAX. Even at that, I'll probably say, full amount + interest+ additional offset
4.1.2 the due date is between 1 to 3 weeks away. This date is key and must be guarded jealousy like keeping visa appointment date!
4.1.3 the combination of amount due and due date are lethal. They trigger the spiralling when the financial woes cookies crumbles, fatally so.
5.0 CCJ (County court judgments for debt) in a nutshell indicate that your (so nice) CC provider reports your inability to pay them what is due as when due. So nice bc they offer you fantastic credit limit (and keeps increasing) possibly with other 'freebies' until when you can no longer payback, then their own #payback kicks in. Think of those 1s smiles you get at work or malls et al.
5.1 If you unfortunately get a CCJ, it will stay on the Register of Judgments, Orders and Fines for 6 years
5.2 CCJ has a brutal cousin. The HCJ (high court judgement). Never wish to meet this member of the family. There's a legal reason I've split CCJ and HCJ. Let's just say, it's kindda meeting 'those' dreaded unseen uncles and deep-seated aunties.
5.3 once you have CCJ, it becomes near impossible to get credit facilities even 'common' phone contract. God help you, you're still renting and tenancy will not be renewed and you'll have to look around: you are at the mercy of ... ...
And by the way, kick some sensitive jobs goodbye.
5.4 and if your CCJ becomes HCJ, you had better go underground or self-deport. You can't even get certain types of jobs making the downward spiral faster than Eurostar.
6.0. when you use CC as debit card, it comes with complications. Though you can withdraw cash/ego/kudi/owo from your CC, NEVER DO. If you must, in extremely compelling extraordinary circumstances, ensure you back back with a day (a most a week) with full amount (inclusive of charges and interest). Pls note that with withdrawal (and maybe cashback or fuel; need to confirm fuel though), interest kicks in immediately and not at payment due date.
7.0 leverage your CC to build credit record.
7.1 leverage your CC to lowo olowo (use other people's money). For instance, your purchases for the month is interest free; you get to make interest (no matter how small) it might be in your savings account or money market. You also get to build credit record you'll use to invest in real estate and other investments.
8.0 check your motive. Check your intent. Check your need.
8.1 while at it, do SWOT
9. Check for golden nuggets on this thread. Some like lexusgs430 talks cryptly or parable/'proverbially' or in-between-the-world, satirical. TheGuyFromHR might drop it as it is. Mamatukwas cmight omes out of logistics DM to give from the frontline insights Ticha might 'epistelise' once in blue moon (from Kiwis down under). Justwise allows free flow of ideas unlike some other mods. Hustla I've known from the failed agritech thread might come gun blazing. Lightnlife might just chip in life of a (not so) newbie. Just as Amarathripple0 shows how (also not so) newbies goes about navigating the system. There are so many with there own unique ways. Simply learn to reflect (and like they say DYOR): wish, I learn new terminologies daily.
10. Ire o. Have a lovely week. Keep enjoying the fruitfulness of CC. Even if it gets to be kolanut/bitter Kola, do the needful. If it gets to be bitter leaf, do the needful as well. At least, every lemon can be a lemonade.
_{PS: this is not a financial nor legal advice in law. From your rambling man.}

Solumtoya:


Please be very cautious, ok? I should exchanging about £3k this week through aboki, I wish there was safer way to do P2P here

I read on here recently that ancestors Lexus and Omopapa to mention a few are reliable people to run P2P with and I reach out to both cause one didn't have at that time. I concluded my transaction smoothly without fear of scam cause I saw quite a handful of reviews on them before I went ahead.

jumpshot:


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

I don't think this should really be a big deal as the physical copy of your passport would be submitted for vignette. It might be impossible to correct it during bio because it's not an attachment. Submitted info filled on visa form can't be altered but if you don't have the mind to leave the error, just cancel jeje for peace of mind.

jadepinkett:
What's with the posturing going on between oldies and newbies? Statements made by oldies seem to be rubbing the newbies raw and vice versa.
Can we like go back to times when advice was given in a cordial manner w/o making it seem like 'I know better'? (That's definitely bound to rub off folks in the wrong way). On the other side of the coin, can advice be accepted w/o being spit on or calling out unnecessarily? Before you take anything on this forum as law, take time to make your research, discuss with a good number of people on & off this forum, weigh it, and come to a decision that you can own as yours w/o pointing fingers.
All these "tongue-in-cheek" remarks from both parties just get as e be

God bless you for this! The snide comments and subtle shades from adults in the name of "oldies" and "newbies" is disappointing. Mutual respect used to be one vital attribute I noticed on this particular thread until recent times.

If an advice given doesn't sit with anyone or you deem it as empty or valueless, please scroll pass and ignore completely and if you perceive anyone doing too much or acting like they know it all, please ignore completely.

Thank Goodness we have one or two people with good sense of humor that have been diluting some subtle shades with their light jokes. People here just share advise from their own wealth of knowledge and can only speak from what they know or experienced but if anyone feels what they're offering is not enough, please go on the internet and do your detailed research by YOURSELF.

Last I checked, this is not UK gov site.

Apologies in advance to anyone that might feel offended by this, this response is just a generic reaction to the latest pattern of subtle disrespect that's about to be the order of the day. Would hate for anyone to misconstrue!

Pls who knows the latest £># exchange rate