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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 3) (701593 Views)
Living In The Uk-life Of An Immigrant (part 2) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
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Re: Living In The Uk-life Of An Immigrant (part 3) by Jaylord11: 4:50pm On Aug 27, 2023 |
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. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by crossbonehelped: 5:00pm On Aug 27, 2023 |
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 havenβt started paying any bills. Just want to know if anyone has an idea of when one can start having credit history 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by babajeje123(m): 5:00pm On Aug 27, 2023 |
justwise:Solution provider |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 5:48pm On Aug 27, 2023 |
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: |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 5:51pm On Aug 27, 2023 |
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: 5 Likes 2 Shares |
Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 6:30pm On Aug 27, 2023 |
Lexusgs430:stop famzing |
Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 6:32pm On Aug 27, 2023 |
Lexusgs430:THis CC is for who is fully employed no be for 20hrs folks like us |
Re: Living In The Uk-life Of An Immigrant (part 3) by justwise(m): 6:35pm On Aug 27, 2023 |
babajeje123: |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 6:56pm On Aug 27, 2023 |
KOVIC19COVID20: Absolutely...... No go comot your cassava o ......ππ 6 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 7:01pm On Aug 27, 2023 |
Jaylord11: Why only American express......... |
Re: Living In The Uk-life Of An Immigrant (part 3) by rinzylee(m): 7:13pm On Aug 27, 2023 |
Why una dey pack credit card like rubber band? |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jaylord11: 8:54pm On Aug 27, 2023 |
Re: Living In The Uk-life Of An Immigrant (part 3) by harddrive2012: 10:10pm On Aug 27, 2023 |
Abeg how can I generate my loqbox referral link ? bigtt76: |
Re: Living In The Uk-life Of An Immigrant (part 3) by Thazard(m): 10:29pm On Aug 27, 2023 |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 11:18pm On Aug 27, 2023 |
See here https://app.uk.loqbox.com/save/invite-a-friend harddrive2012: 2 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 3) by Owoado(m): 11:32pm On Aug 27, 2023 |
Jaylord11:Check your Experian account and they'll show you cards you're eligible for 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Meogom: 1:03am On Aug 28, 2023 |
Solumtoya: 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 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 1:35am On Aug 28, 2023 |
Jaylord11: Just conduct an eligibility test first.......... |
Re: Living In The Uk-life Of An Immigrant (part 3) by Viruses: 7:37am On Aug 28, 2023 |
gmacnoms: 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. 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Solumtoya: 7:38am On Aug 28, 2023 |
igbsam: 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/ 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Solumtoya: 7:44am On Aug 28, 2023 |
Jaylord11: 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. 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Viruses: 10:43am On Aug 28, 2023 |
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. |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 12:11pm On Aug 28, 2023 |
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: |
Re: Living In The Uk-life Of An Immigrant (part 3) by ukay2: 12:18pm On Aug 28, 2023 |
bigtt76: I have only 1 credit card.....no strength for multiple cards... 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 12:59pm On Aug 28, 2023 |
You nor get liver π€π€£π€£π€£ ukay2: |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 1:18pm On Aug 28, 2023 |
bigtt76: We only live once ........ Enjoy life ....... ππ Make I get money for pocket or neck ....... Make i sha get liquidity.......πππ° |
Re: Living In The Uk-life Of An Immigrant (part 3) by bigtt76(f): 1:37pm On Aug 28, 2023 |
Unbelievable Liquidity. dat is Lexusgs430: |
Re: Living In The Uk-life Of An Immigrant (part 3) by Estroller: 2:55pm On Aug 28, 2023 |
bigtt76: 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. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 3:00pm On Aug 28, 2023 |
Solumtoya: 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 Β£12,000 vehicle (that she clearly could not afford)....... What happened to buying a vehicle of Β£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........ π Financial discipline is key and very important, in all you do........ π€£π You must be on expired kolos, to take a 118 118 loan (49.90 APR)........ ππ 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Juwon21: 3:00pm On Aug 28, 2023 |
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? |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 3:04pm On Aug 28, 2023 |
Juwon21: Luton is better, because you just hit the M1 (but you did not offer us Luton)....... π€£ Heathrow - M4 - M25 - M1....... Gatwick - M23 - M25 - M1........ No difference...... ππ Just get a coach or hop on the train........ Taxis would be expensive....... 3 Likes |
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Yankee: through the eyes of a village boy. / Giving Birth In Canada / General U.s.a (student) Visa Enquiries-part 10
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