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Nairaland Forum / Nairaland / General / Travel / General U.s.a (student) Visa Enquiries-part 8 (805233 Views)
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Re: General U.s.a (student) Visa Enquiries-part 8 by bigfrancis21: 3:53pm On Oct 16, 2015 |
LagosNIV: justwise: Let me clear up this misconception. Many of the people who have contacted me regarding the credit card issue are those who have already been applying to get one but were all denied severally because they are new to the country with no prior credit history, as it is the requirement. With application referral from an existing user, it is easier and this is something I understand because I was once in their situation. I am not 'encouraging' people to 'get into debt'. Most 'foreign' students choose to remain behind in the US after graduation and the sooner they start building their credit score, the better. These are students who already realize that they need a credit card to start building their credit history to boost their chances of success in the country but cannot have it. Without a credit score, it gets difficult getting a new car, getting a house or getting a US government job that everybody wants (well-paying, lots of benefits, lots of holidays, job security etc.), or renting certain apartments or homes etc. The list is endless. Also, some people do not even realize the importance of a credit score/history or the tips they need to build a good score and I advise them on the tips they need, the very same tips I used (nobody told me, I discovered them on my own) to get to the solid score I have currently. There are people who are bad at managing their finances, just as some people go to school and flunk out, but there are also millions who are good at managing their finances. It doesn't mean that the school system is bad just because some people have dropped out or failed out neither does it mean that the credit history system is bad. It depends on the individual. I have done a survey of many successful people in this country (my aunts, uncles, family friends, co-workers etc.) and one thing is common to all of them - they have good credits. There is not one of them without a credit history or score, and a solid one in that regard. Successful Americans in this country all have good to excellent credit scores, because it is needed to get certain things in this country. More so, even more important is starting early to build your credit score because it takes at least 1 to 2 years to get to a comfortable level with financial institutions. It is not something you build in 3 days or 3 months. It takes time to build. My white colleagues at work have all told me how their parents opened a credit card for them while they were still in high school and managed the cards for them (i.e. paying back on time etc.) so that by the time they are graduating, they are not only graduating with a university degree but they also have a solid credit score and history of several years (2 solid things one needs to succeed in corporate America) and the sky is their limit. This is in contrast to waiting till after they graduate to build their credit history, which is bad advise. Then one would wonder why white Americans tend to be successful in America. People who are groomed for success from an early age because their parents realize the strategic things their children need to have at their disposal to succeed and start early to provide those things to them. Be it known that I am not forcing anybody whatsoever. I strongly recommend that anyone remaining behind in America who feels they are mature enough to handle their finances should start building their credit history as soon as possible. 12 Likes 3 Shares |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 3:56pm On Oct 16, 2015 |
Even most times we forget to pay bills on time and miss deadline due to so many stuffs happening. I have on two occasion forgot to pay my internet bills and got charged $5 extra. You don't want to toll the line of automatic payment and get charged $35 overdraft when you get charged without sufficient amount in your card cos you're forcing yourself to build a credit score that would take you just one year to hit the required 740 after school? We are tired of all this I don't need to buy $300 shoes or bags. This is not the case here, an international student should be more concerned about how to survive with academics, getting stay in US, than thinking of managing funds that is not necessary. There is a need to calm down. The advice is that do stay away from credit cards, at least for now till you get out of school. What is the point of gathering credit cards just to build credits when you have loads of stuffs to bother about. I will repeat this, when you get out of school with a job with average income, get a credit card put all your bills on it (electricity, water, insurance, internet, rent) and within a year, your credit score will be good. There is no need for the rush, save your energy for something more worthwhile than bothering yourself about paying credit card bills 7 Likes |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 4:04pm On Oct 16, 2015 |
bigfrancis21:This is a known fact and its not like it would take them 5years to get a good credit score after school. One year is enough, and I don't see why an international student after graduation will be craving for a brand new car loan. When you can get a very good clean car for $5000. I beg to disagree with this. There are a lot of things an international students need to be worried about and credit score is the last thing. It is indeed a good advice for an international student, so that those that do take the card, do it at their own understanding. Credit history is not something that takes a decade to build, with good lending after obtaining one will get you a good credit score within a year. 1 Like |
Re: General U.s.a (student) Visa Enquiries-part 8 by justwise(m): 4:24pm On Oct 16, 2015 |
@All Please guys this credit card debate is not going to happen here, enough have been said already. If you want to debate it any further then start a thread here and continue https://www.nairaland.com/business |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 4:32pm On Oct 16, 2015 |
justwise:Oh, sorry, just read your post. I'm done already. |
Re: General U.s.a (student) Visa Enquiries-part 8 by juntod: 4:36pm On Oct 16, 2015 |
Hello my people, i miss u all.. make una no vex for me oooo.. The hustle has been real.. A brother had to lay low. Please what are the new materials available for GRE? Anyone with useful information? |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 5:08pm On Oct 16, 2015 |
juntod:selfstudy360@gmail.com still works fine. |
Re: General U.s.a (student) Visa Enquiries-part 8 by petreli12: 7:07pm On Oct 16, 2015 |
bbdd: thank you very much big boss. |
Re: General U.s.a (student) Visa Enquiries-part 8 by belloluddy: 8:08pm On Oct 16, 2015 |
Good day good people Pls my sister who is an HND holder in Elect elect wants to know if its possible for her to do a nursing course in the US ? She desires to do nursing in the US Pls will it still be the same process in its requirement just like the Masters programme ? Also, do u have any idea of the likely cost of tuition for this type of programme pls? Thanks |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 8:40pm On Oct 16, 2015 |
belloluddy:Very possible. She probably need to make some little research on tuition and so forth. Sucess does not come overnight. |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 8:49pm On Oct 16, 2015 |
Why did you hide my post just now? @Justwise |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 10:42pm On Oct 16, 2015 |
I greet all the gurus, intermediates, and newbies. Keeping the purpose of this vital thread alive is paramount. |
Re: General U.s.a (student) Visa Enquiries-part 8 by kennyrony(m): 2:04am On Oct 17, 2015 |
DARKLIGHT: Bro longest time. How are u doing. |
Re: General U.s.a (student) Visa Enquiries-part 8 by ikaboy: 6:24am On Oct 17, 2015 |
pls I need some clarifications. I have my Masters from a naija univerisity and seek ing to pursue my PHD in d states. I currently have a 2 year visiting Visa and just came back to Nigeria last week after the first visit. While their, I visited a school and my desire to pursue my PHD in such environment wouldn't be a wrong one I must confess. A friend told me to do a second visit and try and apply over there in d states for my student visa. How feasible is that or i must do it in Nigeria?? Does my current visa put me on any vantage position to secure a student visa if offered an admission Can I have a summary of the required documents to pursue an admission? Is GRE mandatory, cos d school visited did not mention that.? Brothers and sisters ur candid input will not go unappreciated |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 7:52am On Oct 17, 2015 |
ikaboy:Is the PhD fully funded? If it's not abeg abeg find something better. Well you don't need GRE since you already have a masters degree. You can either apply and get your admission then proceed to F-1 visa or you can get your admission early enough to afford you the time to adjust status. But the easiest and faster route is apply for an F-1 in Nigeria, I assure you, your visa will be approved, you have a lot of valid points that can get you your visa without hassles. |
Re: General U.s.a (student) Visa Enquiries-part 8 by BloodyMitch(f): 12:25pm On Oct 17, 2015 |
Hi everyone, thought i let u guys know that fidelity bank charged me 198.9 naira a dollar yesterday. |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 1:50pm On Oct 17, 2015 |
BloodyMitch:Lol. Where's my own share? |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 2:08pm On Oct 17, 2015 |
kennyrony: I'm awesome. I'm doing fine. |
Re: General U.s.a (student) Visa Enquiries-part 8 by juntod: 3:53pm On Oct 17, 2015 |
slimmy05: Thanks bro. How does it work again? Just send a blank email right? |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 4:50pm On Oct 17, 2015 |
What's up, bigfrancis21? Here is an excerpt of a post of yours years back. Yea. Sure I'm getting set for classes. Can't wait to show 'em indians Naija pepper. Please, does this mean 3.83 GPA should land me around say a 3.3-3.4 on a 4.0 scale? Asking cos you said something about it coming down to a 3.2 earlier. I eventually wrote the GRE and had a 314(161Q 153V) ![]() |
Re: General U.s.a (student) Visa Enquiries-part 8 by bigfrancis21: 5:11pm On Oct 17, 2015 |
stolid: I laud your great effort in pulling out this post from long long ago! ![]() Congrats on your GRE score. It is great. You should get admission + assistantship with such a score. A 3.83/5.00 CGPA will come out to be between 3.2 to 3.4 on the 4-point scale. I say this because my fellow colleague and course mate from UNN who had a 3.83/5 CGPA had a 3.3 GPA after conversion to the US 4-point scale. You can quickly do a conversion using the grading scale I have provided and see what yours turns out to be. It should fall in the range I mentioned above. What schools are you applying to? You have any in mind yet? |
Re: General U.s.a (student) Visa Enquiries-part 8 by bigfrancis21: 5:12pm On Oct 17, 2015 |
BloodyMitch: How much was it before? Or how much were you expecting to be charged? |
Re: General U.s.a (student) Visa Enquiries-part 8 by Nobody: 5:19pm On Oct 17, 2015 |
bigfrancis21: Thanks for the reply, brother. I wish I had taken my time like you advised & done better on the GRE though. I've got the following schools in mind: Uni of Cincinnati Texas A & M, Kingsville New Mexico Tech Lehigh University |
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Nigerian Students In The Uk How Do You Survive? / Canadian Student Visa Thread Part 14 / General U.s.a (student) Visa Enquiries-part 14
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