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Nairaland Forum / Nairaland / General / Travel / The Adventures Of A New UK Migrant (280794 Views)
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Re: The Adventures Of A New UK Migrant by Lexusgs430: 3:13pm On Oct 28, 2017 |
signature2012: Have you read recent statistics on credit card debt profiles and those in serious trouble (leading to bankruptcy, charge added to assets etc etc)? 2 Likes |
Re: The Adventures Of A New UK Migrant by justwise(m): 3:16pm On Oct 28, 2017 |
signature2012: Why not? 4 Likes |
Re: The Adventures Of A New UK Migrant by signature2012(m): 3:25pm On Oct 28, 2017 |
justwise: Dont tell me you dont have one.In the state i am,in some areas,you must show your credit score before you can rent accommodation. 2 Likes |
Re: The Adventures Of A New UK Migrant by maternal: 3:33pm On Oct 28, 2017 |
justwise: You're literally a 2nd class citizen without one in the west. Anyone who says otherwise is ignorant. |
Re: The Adventures Of A New UK Migrant by justwise(m): 3:43pm On Oct 28, 2017 |
maternal: You are so ignorant to believe that you can't survive in the west without credit card. 18 Likes 1 Share |
Re: The Adventures Of A New UK Migrant by justwise(m): 3:45pm On Oct 28, 2017 |
signature2012: I don't and I have survived for more than 10yrs without one. i don't spend what I don't have. 63 Likes 6 Shares |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 3:56pm On Oct 28, 2017 |
justwise: Word....... 24 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 3:56pm On Oct 28, 2017 |
maternal: Totally false....... 16 Likes 2 Shares |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 3:58pm On Oct 28, 2017 |
signature2012: I hope you are gradually seeing through the other side of the divide? 2 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:00pm On Oct 28, 2017 |
UKmigrant - You see wetin that picture you post don cause? 10 Likes |
Re: The Adventures Of A New UK Migrant by DisGuy: 4:00pm On Oct 28, 2017 |
maternal: I don't even know what part if your statement to respond to first.. ![]() My only advice is to be very prudent with your credit card if you have one, i know people that collect it spend on it make full payment then cut the card up into pieces just to avoid temptation ![]() 5 Likes |
Re: The Adventures Of A New UK Migrant by maternal: 4:01pm On Oct 28, 2017 |
justwise: Credit card relates to credit score. Without a good credit score I couldn't get a mortgage. Without a good credit score I couldn't land my government job. Without a good credit score certain people in my family wouldn't be able to get a bank job and so forth. I don't even think one can even book a hotel room without a credit card anymore. Again, anyone who knows what they're talking about knows a person is a 2nd class citizen without a credit card and good credit in the west. 14 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:02pm On Oct 28, 2017 |
DisGuy: They are the wise one's..... Some hug it and eventually end up hugging very hot fire..... |
Re: The Adventures Of A New UK Migrant by maternal: 4:04pm On Oct 28, 2017 |
justwise: This is not about living within your means. This is about building and maintaining a good credit score in the west through credit card. Therefore, that allows you to do other things. You may be surviving but you're definitely not maximizing the countries full benefits. 3 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:07pm On Oct 28, 2017 |
maternal: I agree with the credit score angle, but loads of other ways to build credit scores. People with adverse credit scores still survive in the west, right? Or are you saying everyone in the west has a positive credit score? A debit card can easily book hotel rooms, some hotels even accept PayPal.... Without a credit card, jobs can be got. Simply provide other forms of identification.... It is obvious, with an adverse credit score, to get a job in the banking/financial sector, is like trying to search for a cock with front tooth...... 4 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:08pm On Oct 28, 2017 |
maternal: Maximizing full benefits? Like? |
Re: The Adventures Of A New UK Migrant by signature2012(m): 4:14pm On Oct 28, 2017 |
Lexusgs430: Yet to see anything. 1 Like 1 Share |
Re: The Adventures Of A New UK Migrant by signature2012(m): 4:15pm On Oct 28, 2017 |
justwise: Obviously you dont understand what credit card really means. |
Re: The Adventures Of A New UK Migrant by Nobody: 4:18pm On Oct 28, 2017 |
. 30 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:18pm On Oct 28, 2017 |
signature2012: Ok.... I wish you many pleasant credit card spending years ahead..... |
Re: The Adventures Of A New UK Migrant by maternal: 4:19pm On Oct 28, 2017 |
Lexusgs430: You're proving my point. With a bad credit score see all the back door things you have to do. And no not everyone has a good credit score here. And they are 2nd class citizens. |
Re: The Adventures Of A New UK Migrant by signature2012(m): 4:19pm On Oct 28, 2017 |
maternal: You cant even rent a car....So many things attached to credit card,not just spending the fund. I totally agree with you,without a credit card you are seen as a 2nd class whatsoever. |
Re: The Adventures Of A New UK Migrant by signature2012(m): 4:22pm On Oct 28, 2017 |
Lexusgs430: As i said earlier,only people with bad spending habit HATE credit cards. The number 1 aim of every citizen is to have a house of their own,how many can buy a house cash down without CREDIT? 6 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:24pm On Oct 28, 2017 |
maternal: PayPal payment is not back door, it's called protection. I know section 75 accords the same type of protection (but horses for courses)... Paying for a hotel, via debit card is not a back door approach (it means spending what I have) I have not seen any back door approach, from my previous response....... 5 Likes |
Re: The Adventures Of A New UK Migrant by maternal: 4:24pm On Oct 28, 2017 |
UKmigrant: Well said. It's not the actually credit card. It's being trust worthy being given credit when you need it. The concept is common sense. How you manage your credit/finances allows the banks, landlord, cell companies, etc to decide whether they can trust you or not. I really don't know why people can't understand this, especially when the west (at least north america) is a credit base system. |
Re: The Adventures Of A New UK Migrant by signature2012(m): 4:25pm On Oct 28, 2017 |
UKmigrant: More sense fall on you bro.....some people are just ignorant. 7 Likes 1 Share |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:26pm On Oct 28, 2017 |
signature2012: Other factors can assist in credit score building and not only credit cards.... A mortgage application would be granted without owning a credit card.. 1 Like |
Re: The Adventures Of A New UK Migrant by maternal: 4:26pm On Oct 28, 2017 |
Lexusgs430: You can't book a hotel here with a debit card. Credit card also have fraud protection. These are backdoor/ 2nd class methods. |
Re: The Adventures Of A New UK Migrant by signature2012(m): 4:27pm On Oct 28, 2017 |
Lexusgs430: Shed more light to this statement,i want to learn more. 2 Likes |
Re: The Adventures Of A New UK Migrant by justwise(m): 4:27pm On Oct 28, 2017 |
maternal: Honestly you have a very poor knowledge of life, yes this is about living within your means and not living for the system. No matter what your credit score is, you still need to earn it to spend it. I used to have contract phone and after 3yrs I cancelled it and went back to pay as you go, then two years ago I needed an upgrade and decided to get the phone on contract but I was refused because of poor credit score. If I had gotten that contract it would have set me back about £450 a year through monthly fees and upfront payment. Then I went online and bought that phone for £300 and still maintain my pay as you go. If you want to get crippled by system then that's up to you but don't dare tell me that I can't survive without one. 28 Likes |
Re: The Adventures Of A New UK Migrant by maternal: 4:28pm On Oct 28, 2017 |
Lexusgs430: You don't have a credit card yet a bank will give you 300k for a mortgage ? Omo pass that igbo my way. Which other methods can you use initially to build credit ? 8 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 4:28pm On Oct 28, 2017 |
signature2012: This argument simply serves as a lesson for some. Let's cut the insults, please....... What backs one, faces another...... 10 Likes 1 Share |
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