NewStats: 3,261,968 , 8,175,690 topics. Date: Saturday, 31 May 2025 at 09:59 AM 3z244i

Uzonma:
Hi house which credit card can someone who is just six months int the UK qualify for with credit score of about 615?
Thank

Even with a score of 550, I still got mine approved with less than 6 month in the UK. You can for Amex using my link if you wish.

https://americanexpress.com/en-gb/referral/oLADIG2FvN?XL=MIANS

Thank you
I have applied with the link
How long did it take to get it after application?

I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

Who needs naira? I want pounds

Hi my people,
Kindly o, our electricity provider is SSE and I've been trying to reach out to them for the past 4 days, they only picked once and since then, nothing.

We're trying to change our name on the bill since we just moved in and trying to confirm there was no debt on it also.

Though it's a smart meter. So we don't have to worry about the previous tenant since It's a smart meter

Uzonma:
Hi house which credit card can someone who is just six months int the UK qualify for with credit score of about 615?
Thank

https://americanexpress.com/en-gb/referral/jEDIDAcKK3?XL=MNANS

You can qualify easily for this particular American Express within months or even weeks of arrival. Please use the above link and apply for that particular one (British Airways American Express® Credit Card) to avoid Annual Fees. You also earn about 6,000 points too.

Solumtoya:


https://americanexpress.com/en-gb/referral/jEDIDAcKK3?XL=MNANS

You can qualify easily for this particular American Express within months or even weeks of arrival. Please use the above link and apply for that particular one (British Airways American Express® Credit Card) to avoid Annual Fees. You also earn about 6,000 points too.

Hello,
I tried using your link but did not qualify even with a credit score of 757 on experian. What do you think could be wrong ! I’m comfused fa.
I came in January.
Thanks

You can use my Link,

https://americanexpress.com/en-gb/referral/aDEGOaUXsK?ID=100439814

even people that came in April got 4k pound.

khasm:


Hello,
I tried using your link but did not qualify even with a credit score of 757 on experian. What do you think could be wrong ! I’m comfused fa.
I came in January.
Thanks

TheGuyFromHR:


You might need to work a bit more on your offline networking. Referrals from random beings on the internet who do not know you in real life, irrespective of the website/platform, mightn't be easy to come by.

Ok thanks. If I had offline in the UK, I would not have come to ask. Referral doesnt mean you vouching for the person's character. Referral just makes it easier if you are from a non target school. Trust me there are some certain things I cannot do. Not because i consider myself to be well behaved but because of my professional bodies. If i try it all the person needs do to report me to my professional bodies and I will be a goner.
Thanks all same.

Yes you can but you may incur charges to convert from USD to GBP

Unfortunately only banks in Nigeria can do outbound fund transfer out of the country through SWIFT.

Thiago6:
I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

OmichaelO:
Hi my people,
Kindly o, our electricity provider is SSE and I've been trying to reach out to them for the past 4 days, they only picked once and since then, nothing.

We're trying to change our name on the bill since we just moved in and trying to confirm there was no debt on it also.

Though it's a smart meter. So we don't have to worry about the previous tenant since It's a smart meter

Take a picture of all the readings on the meter.......

Send a letter and email, to their billing department........

Someone mentioned earlier in this thread that you can use Wise (formerly Transferwise) to transfer funds from dollar card to a GBP .

Personally I've been using Lemonade Finance mobile app to move and convert funds from my Naira to Pounds and send it to my GBP here in the UK. It's fast, takes just few minutes.

Thiago6:
I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

Lexusgs430:



Take a picture of all the readings on the meter.......

Send a letter and email, to their billing department........

thank you sir

Thiago6:
I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

If you have a dollar card, you can use PayPal to send money to your UK .

.

Thiago6:
I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

payday app

Hello everyone,
I’ve tried searching all accomodation sites but haven’t been able to get a room in a shared apartment within Chelmsford. It’s either the landlord have their preferences or the price is too high for the kinda room they’re showing.

Can anyone help me? Thanks

Greetings Fam. Please any advice and info would be deeply appreciated.

Been in Glasgow for close to a year now.
Wifey and 2 kids are coming to me in all likelihood by the end of the year.
I am doing a PhD which I am sponsored. My scholarship funding wont be enough for us obviously for the next 3 years or more duration.
When she comes she will need to assist with work to be able to cater for the extra bills and mouths.
She is looking to do care work during her time here, but she does not have medical or care background, apart from taking care of sick old parents in Nigeria. Her primary background is Telecoms and Customer Care
Is there any advice that will enable her get an edge in her care application when she applies eventually?
is there anything (course maybe) that she can do to boost her chances in the next 2 to 3 months before she travels from Nigeria?
Is there anything I myself can do to ease her work chances from over here in Glasgow?

mystikal:
Greetings Fam. Please any advice and info would be deeply appreciated.

Been in Glasgow for close to a year now.
Wifey and 2 kids are coming to me in all likelihood by the end of the year.
I am doing a PhD which I am sponsored. My scholarship funding wont be enough for us obviously for the next 3 years or more duration.
When she comes she will need to assist with work to be able to cater for the extra bills and mouths.
She is looking to do care work during her time here, but she does not have medical or care background, apart from taking care of sick old parents in Nigeria. Her primary background is Telecoms and Customer Care
Is there any advice that will enable her get an edge in her care application when she applies eventually?
is there anything (course maybe) that she can do to boost her chances in the next 2 to 3 months before she travels from Nigeria?
Is there anything I myself can do to ease her work chances from over here in Glasgow?

Let her look for a typical job she likes or her current expertise and look at indeed for the typical job requirements. She can start prepping herself towards that.
Care job should be the last option pls.

NB: this is not to denigrate care job but she could be lucky.

Thiago6:
I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

You can use lemonade to send naira to your UK bank . Not sure what the rate is like. You can use the link below.

https://referral.lemonade.finance/invite/rNUJ

mystikal:
Greetings Fam. Please any advice and info would be deeply appreciated.

Been in Glasgow for close to a year now.
Wifey and 2 kids are coming to me in all likelihood by the end of the year.
I am doing a PhD which I am sponsored. My scholarship funding wont be enough for us obviously for the next 3 years or more duration.
When she comes she will need to assist with work to be able to cater for the extra bills and mouths.
She is looking to do care work during her time here, but she does not have medical or care background, apart from taking care of sick old parents in Nigeria. Her primary background is Telecoms and Customer Care
Is there any advice that will enable her get an edge in her care application when she applies eventually?
is there anything (course maybe) that she can do to boost her chances in the next 2 to 3 months before she travels from Nigeria?
Is there anything I myself can do to ease her work chances from over here in Glasgow?

Customer service jobs are widely available here. The good thing is that that is one sector that has embraced the WFH revolution, so she can quite easily get a CS job where she is sent a PC and headset and just requires unlimited broadband to work remotely so you guys can better manage your childcare requirements. Quite a few companies also offer shift working which might also help with fitting in childcare.

Of course, when you speak of "customer care", the elderly in care homes are customers in need of care, so if you and she prefer that, then go for it. There are quite a lot of people who can advise on the best way to get in, even though I don't think the care homes are too fussy these days.

Updates after moving to the UK.

The Japa journey is beyond crossing the Mediterranean Sea and landing in the UK.
The end goal is to get all the benefits of the land and ultimately get a permanent stay. Throughout the whole process don't undermine the importance of building your credit score. Higher scores will help you get better insurance rates, mortgages, etc.

If you are new to the UK, you won’t have a credit score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral . This is basically ing to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.
You can use easy credit card providers like
Capital One: A quick check will be run to see if you are eligible. https://quickcheck.capitalone.co.uk
Amex: The check is less stressful and usually quicker, bonus points are also awarded which can be redeemed later. https://americanexpress.com/en-gb/referral/oLUWAAjezk?XL=MIMNS
Store cards. Stores like Tesco, Argos, etc. issue credit cards for customers with no history.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit s, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.

HondaLover:


Sha don't follow point of entry enter point of exit

Something must kee a man!

Wakabouter:
Updates after moving to the UK.

The Japa journey is beyond crossing the Mediterranean Sea and landing in the UK.
The end goal is to get all the benefits of the land and ultimately get a permanent stay. Throughout the whole process don't undermine the importance of building your credit score. Higher scores will help you get better insurance rates, mortgages, etc.

If you are new to the UK, you won’t have a credit score.
Unfortunately, it won’t make any difference if you had a wonderful financial record back in Nigeria because in the UK you are starting from scratch.
The good news is you can do a lot of things that can help you build a great credit score.

There are two important things you need to understand: getting a credit card and Improving your credit score.

Getting a credit card.
Before you can get a credit card, you should have a verifiable name. This means getting your name and records into the system.
Here are a few tips for that.
i. Get on the electoral . This is basically ing to vote, and it makes it easy to link an address to your name. Visit https://www.gov.uk/electoral-
ii. Get a cheap Sim-Only contract like O2, Virgin, EE, etc. rather than PAYG like Lebara or Lyca.
iii. Apply for a provisional driver's licence (if you have spent 6 months in the UK).
iv. Get your name on a utility bill: gas, electricity, internet...
All these are very easy ways of getting your name and record in the system.
You can use easy credit card providers like
Capital One: A quick check will be run to see if you are eligible. https://quickcheck.capitalone.co.uk
Amex: The check is less stressful and usually quicker, bonus points are also awarded which can be redeemed later. https://americanexpress.com/en-gb/referral/oLUWAAjezk?XL=MIMNS
Store cards. Stores like Tesco, Argos, etc. issue credit cards for customers with no history.

Improving credit score
Using a real-life scenario, my score goes up every time and here is the summary of the reasons as stated on my record.

What's affected your score this month?
i. Your score has gone up because you've been on the electoral at your current address for a longer time.
ii. Your score has gone up because you now have active revolving credit s, such as credit cards.
iii. Your score has gone up because you're using a reasonable amount of your available credit.

**You can also improve your record by manually reporting your rent using services like creditladder.

Some banks like Lloyds will show you what your credit score is on the app.

Thank u for this beautiful write up
my questions
1. which credit company do u advice we use. I am using Credit karma which is free. but many lenders are using the experian to check your credit . I opened experian and it was told that 30days is free and every month we pay £14. so what do u advice in on the best credit company to use.
2. I was also told that opening too many bank s is not good for credit score. How true is this.
3. I also learnt that is not good to be checking your credit all the time, is this true or false
4. How can I add my house rent to my credit. I always tranfer the money to my landlord but I write on the ref as rent payment.

Thank you

OlaLiberty:
Please can someone suggest how to convert Euro to Naira or Pounds at a good rate.

Hi, is this still available? I have naira and need euros. Kindly check your PM.

Thiago6:
I greet the house oh. Please, is it possible to send funds from a Nigerian dollar to a bank in the UK?

If it's not possible, what other alternatives do I have to transfer money from Nigeria to a UK ? I'd really appreciate a reply. Thanks in advance.

Yes it's possible. If you're using uba bank and the dollars are in your dorm . You can convert the dollar to gbp using cbn rate and get it transferred to your uk bank. It is called cross currency withdrawal and you have to fill FCY form.

Note : I don't now if other bank does it but I use uba frequently and I still did last month.

Grateful for all the helpful tips shared here. My credit scores have been growing steadily...

Osoderi:


Thank u for this beautiful write up
my questions
1. which credit company do u advice we use. I am using Credit karma which is free. but many lenders are using the experian to check your credit . I opened experian and it was told that 30days is free and every month we pay £14. so what do u advice in on the best credit company to use.
2. I was also told that opening too many bank s is not good for credit score. How true is this.
3. I also learnt that is not good to be checking your credit all the time, is this true or false
4. How can I add my house rent to my credit. I always tranfer the money to my landlord but I write on the ref as rent payment.

Thank you

1. You can use Experian still. You don't have to pay the monthly subscription fee. The subscription only shows you tips you won't see on the free version.

2. I'm not totally sure on this.

3. False. I check my scores as often as I want without any impact.

4. Credditladder. Sign up. Then connect your bank . Select the particular payment reference you use when sending money to your landlord. Since it's a monthly trend, Credditladder will be notified the moment you pay for every other month. Just make sure you stick to sending your house rent on same day, each month.

Emmyk:
Grateful for all the helpful tips shared here. My credit scores have been growing steadily...

These scores are shady. Use checkmyfile and credit karma to compare.

Isn't this just ridiculous?


https://www.youtube.com/watch?v=XW19QbwfYGY

Emmyk:
Grateful for all the helpful tips shared here. My credit scores have been growing steadily...

Choi, how many months did it take?
Mine took a dive but I noticed Amex increased just increased my available credit

My 2nd month using it, used just 14% of available credit in my first month and paid on time

kode12:


These scores are shady. Use checkmyfile and credit karma to compare.

Credit Karma only shows Transunion credit score. Or is there a way to check Experian credit score on Credit Karma?