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Nairaland Forum / Nairaland / General / Travel / Living In The Uk/life As A UK Immigrant (1384635 Views)
Living In The Uk-life Of An Immigrant (part 3) / Living In The Uk-life Of An Immigrant (part 2) / Living In Canada/Life As A Canadian Immigrant Part 2 (2) (3) (4)
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Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 4:52am On Jul 12, 2020 |
Braket: Have you tried capital one? Like play Like play, because of you I tried them............ They only conduct soft check on your credit details, it leaves no footprint on your credit file ....... They don offer me £7500 credit limit........ Make i quick quick go find another wife wey i go marry....... 2 Likes 2 Shares
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Re: Living In The Uk/life As A UK Immigrant by contra(m): 6:07am On Jul 12, 2020 |
Endlessgrace: This here is golden! Thanks for sharing. Let me add one or two from my own experience. 1. Pay off the balance (not minimum) everytime on due date by direct debit. 2. Plan the usage and payment intentionally. Don't leave more than 25% on your statement. You can use 80% of your limit but just before your statement closing date, pay off until 25% balance is left, then pay off in line with point one (1) above. Do this at least 4 days before that closing date. This is month one. In month 2, let the closing balance be slightly less than 25%, say 24.8% and continue to reduce this every month. 3. Take an overdraft from your bank and use it on the eve of your monthly statement closing date. Use only small (say £5) and pay the interest. If you plan to repeat this, use the pattern in point two (2) above. This is how I managed to build my credit score and it was ready within 6 months of my arrival. This was possible because my employer provided an Amex card that I was responsible for managing in month 2 of arrival. I applied for my personal Amex card, 3 months later. In less than a year, my score was more than enough to get my most priced asset yet. Be intentional. 12 Likes 10 Shares |
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 6:39am On Jul 12, 2020 |
contra: All points kwarect..... But if you always pay off balance, you're not a good customer...... They would withdraw debt card......... Make banks too see sometin chop nah...... 3 Likes |
Re: Living In The Uk/life As A UK Immigrant by contra(m): 7:28am On Jul 12, 2020 |
Lexusgs430: Hehehe. Not at all boss. My credit limit has gone up instead. I was on 4k limit before i change to Lloyd's. Now 8.4k. These days I use around 5% and payoff everything on due date and increase it after 6 months. If they don't agree, I'll change to another provider. Na dem they rush me now . I didn't travel this far to be paying unnecessary interest. 3 Likes |
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 7:33am On Jul 12, 2020 |
contra: We suppose carry that money go buy 911 Turbo......... Den suppose rush you....... 1 Like |
Re: Living In The Uk/life As A UK Immigrant by umarwy(m): 8:06am On Jul 12, 2020 |
justwise: Thank you for letting us know what your main financial access point is, we the association of security researchers will now start our research work. ���� |
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 8:55am On Jul 12, 2020 |
umarwy: though you joked about this but you got no idea how many scam emails i receive anytime i talk about stuff like this here. Last time we discussed about TV licence within hours they started sending me emails about it, i mentioned about a particular high street bank i use ..boom i received an email from the 'bank' about some juicy deals etc |
Re: Living In The Uk/life As A UK Immigrant by dustydee: 9:35am On Jul 12, 2020 |
justwise:You don't mean it. Could it be from your browser history? Surely nairalanders do not have your personal contact details. |
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 10:15am On Jul 12, 2020 |
dustydee: Nah! nobody gets your personal details from your browsing history, they may have an idea about your interest/ life style etc. When you reply innocent looking pm here you are giving up your email address..that is a starting point for many dubious characters here.. |
Re: Living In The Uk/life As A UK Immigrant by Braket: 10:23am On Jul 12, 2020 |
Lexusgs430:No I will try them. Thank you for testing the waters for me. I tried two if the recommendations I got yesterday but it was a dead end. Moneymarket and clearscore require a residency status of at least 3 years which isn't possible now. I honestly don't understand this system of credit in UK. Getting a credit card in Germany is like a stroll in the park |
Re: Living In The Uk/life As A UK Immigrant by Braket: 10:26am On Jul 12, 2020 |
contra:Thanks for the advice. Getting a credit card is the problem now. I can't even check my credit score because of 3 years residency palava. Tried Experian also still no headways. My employer sef no try. No support on stuffs like this. |
Re: Living In The Uk/life As A UK Immigrant by dustydee: 10:45am On Jul 12, 2020 |
justwise:Ok, I do not use my real email on nairaland. 1 Like |
Re: Living In The Uk/life As A UK Immigrant by popplm(m): 10:46am On Jul 12, 2020 |
Good morning house, is there anyone teaching in Scotland on this platform. I recently qualified and need to ask few questions...Thanks |
Re: Living In The Uk/life As A UK Immigrant by contra(m): 11:00am On Jul 12, 2020 |
Braket: You're welcome. Try Totally Money and Money Supermarket. |
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 11:02am On Jul 12, 2020 |
dustydee: Good decision. |
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 11:05am On Jul 12, 2020 |
popplm: @STENON |
Re: Living In The Uk/life As A UK Immigrant by dustydee: 11:10am On Jul 12, 2020 |
Braket:What kind of support were they supposed to give? I have never heard of any company that helps you apply for a personal credit card. |
Re: Living In The Uk/life As A UK Immigrant by spacyzuma(m): 11:26am On Jul 12, 2020 |
Hi everyone. I need to renew my passport. I've registered, made my application and paid online. I didn't get any notification on how to book the London appointment for biometrics. And I cant find the info on the website. I know the High Commission hasn't opened yet, but is there something else I should do? 1 Like |
Re: Living In The Uk/life As A UK Immigrant by STENON(f): 11:27am On Jul 12, 2020 |
popplm:I replied your mail which you sent to me last 2 weeks and answered all your questions there. You didn't send any acknowledgement that you received it 3 Likes |
Re: Living In The Uk/life As A UK Immigrant by STENON(f): 11:29am On Jul 12, 2020 |
justwise:Thanks Justwise. He messaged me privately few weeks ago and I answered him , maybe he has other questions to share here again. |
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 11:31am On Jul 12, 2020 |
STENON: Ok |
Re: Living In The Uk/life As A UK Immigrant by Braket: 12:25pm On Jul 12, 2020 |
dustydee:The person above |
Re: Living In The Uk/life As A UK Immigrant by popplm(m): 12:34pm On Jul 12, 2020 |
STENON:madam let me rush to my junk...i didn't receive any email from you recently. Will acknowledge if I find it in my junk mailbox. |
Re: Living In The Uk/life As A UK Immigrant by claremont(m): 12:51pm On Jul 12, 2020 |
Braket: My first credit card many years ago when I was an innocent international student was a Capital One credit card with a credit limit of £250. I naively thought it was free money, my own share of the British national cake. I blew the whole £250 on food and other expenses and threw away the card. £250 turned into £450 many years later which I had to pay off before I attempted to get a mortgage. That £250 was registered as a default on my credit file for years until I settled it. It was only after I settled it, my credit score started started going up, and I then got a mortgage and other 'normal' credit cards. However, Capital One and Vanquis are the go-to credit cards for most people new to credit. Use them and pay off at the end of the month. Give yourself 6 months of consistently using and unfailingly paying them off. Use a broker like London and Country (fee-free) and apply for a mortgage, you will definitely get accepted. You might not get a decent mortgage rate of below 2%, but you can always remortgage to a decent rate after 2 years. 7 Likes 6 Shares |
Re: Living In The Uk/life As A UK Immigrant by Braket: 1:24pm On Jul 12, 2020 |
claremont:Thank you for your input. I will work on these leads. |
Re: Living In The Uk/life As A UK Immigrant by umarwy(m): 1:41pm On Jul 12, 2020 |
justwise: Yep that's why security through obscurity is a thing. Once an attacker know what to attack, half the job is done. Targeted phishing and brute force attacks can ensuite. This one niaraland doesn't have 2fa, the day your NL email gets to the wrong hands wonders shall happen |
Re: Living In The Uk/life As A UK Immigrant by justwise(m): 2:03pm On Jul 12, 2020 |
umarwy: my nairaland email has gone through a lot for yrs, spoofed, dropped in some dodgy websites, i have received countless number of phishing emails.. the list goes on. 1 Like |
Re: Living In The Uk/life As A UK Immigrant by Chinlov: 2:26pm On Jul 12, 2020 |
Pls how can I change my NL email? I used my primary address umarwy: |
Re: Living In The Uk/life As A UK Immigrant by umarwy(m): 2:51pm On Jul 12, 2020 |
Chinlov: This is serious jamb questions. You have to contact naira land support for that. The only way I can help is if you send me some 6 digit codes you receive on your phone. Don't worry the codes are for a referral program |
Re: Living In The Uk/life As A UK Immigrant by EmmyKing86(m): 2:58pm On Jul 12, 2020 |
Hello everyone. Please, regarding passport renewal at the Nigerian High Commission London, are people who did not apply for passport renewal before lockdown allowed to apply? According to the information available on the website, renewal has only commenced for those that applied prior to lockdown in order to clear the backlog of applications. Currently reside in Swansea and would not want to be refused upon arrival. Kind Regards, |
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 4:24pm On Jul 12, 2020 |
1 Like |
Re: Living In The Uk/life As A UK Immigrant by Chinlov: 4:51pm On Jul 12, 2020 |
Thanks Daddy...... LoL quote author=Lexusgs430 post=91642901] Just click edit profile....... [/quote] |
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