NewStats: 3,263,171 , 8,179,321 topics. Date: Wednesday, 04 June 2025 at 10:43 PM 1j15e

Hello,
Yes, i did few days after submission.
I have also sent email up 3 times to the email below on inquiry of the "status" of the correction - No response on all occasions.

I guess on have to wait it out.

pheranmie:
@arinola2
Did you receive this type mail
And please with this mail I hope I am on the right track

hustla:
Quick question

If you withdraw from your credit card to PayPal, does it affect your credit score?

If by withdraw you mean settling your PayPal transactions with your credit card by adding your credit card to your PayPal , then no.

HollyMadison:
Hi elders,

Please can you recommend credit cards that have deferred repayment option(1 year and above) to buy plane tickets

@ticha I think you mentioned using a credit card to buy tickets and you didn’t have to pay back for like 2-3 years

Check comparison sites, cashback sites and credit brokers like totallymoney, clearscore etc for options.

Hello

Please I need a sure plug to cargo food food items from naija.

Thanks

Estroller:


If by withdraw you mean settling your PayPal transactions with your credit card by adding your credit card to your PayPal , then no.

I mean fuding your paypal with your cc and thenusing your debit card to withdraw from atm

Was told there is a way to do it but i was just thinking about its impact on credit score

Pearlyfaze:


Yes I have an email. Where the international Recruiter said since "your manager said she doesn't want you in her home". It was not just her they were 3 Black Nurses one from Zimbabwe Resigned and paid them back, my wife and the other guy from Nigeria got transferred to Newcastle and Durham respectively.

One of the other International recruiter said I 8
don't know why she doesn't like Black Nurses in her home.

Don't pay nothing ... how can an employer enforce you to pay when you left . I would like to see how this works in reality

I think people pay because they think they must pay but if you don't pay I think nothing happens

DeeOneBangin:


People do it, he only brought it forward to the wrong forum.

Then when the person has an accident what happens to your record.... I am amazed someone will do this for a stranger

Pogracious:
Hello leaders in here

Please I have a question to ask.
Now that I have completed my msc course,what should I do on the council tax payment.Though my wife has been paying it during the period I was a student.Should I call council to inform them so they can remove the discount and I can now share payment with wifey or what should be my best cause of action.thanks in adv

I thought you are your wife were not expected to pay ...I am sure I read this in the rules

[Re: UK Technology and UK Technology career thread]
I was stylishly pointing out that we don't have one!
On NL, the closest is Technology Market (which is flooded with all manner of Kara Kata (buy & sell).
In-btw, I was weary of starting Convo on the UK living thread for fear of #derailing.

As regarding rate, basic, benefits and 'takehome', you are spot on. Amount of pension contribution plays a pay: hint govt, NHS, universities...

Solumtoya:
I have come to realise that understanding the non-salary benefits are as important as the Annual Pay. When I moved from a Company without benefits to one with benefits, I realised that the benefits alone amount to almost half of the Annual Pay but no one talks about it.

Wait o, did you say there is a UK Technology Career Thread?

bigtt76:
I co-ask, please share if you stumble across it

semmyk:
... ...
Thanks for the comments here. It should assist people in starting to understand what is it to say cybersecurity. Indeed, it is, or it has become, an umbrella word for all things security that bothers on 'cyber' or 'digital'L Computer security, IT security, IT/IS systems security, IoT/industrial security, good 'ol information security.
We can discuss all of these, possibly in the technology thread. Let's come back to life in the UK

If the transaction from the CC to Paypal is not recorded as credit, then there's danger ahead. It would be treated as cash, which starts to accrue interest
Ewu nbẹ loko longẹ, Longẹ fún rara rẹ, ewu ni. Lexusgs430, help us interpret.

hustla:

I mean fuding your paypal with your cc and thenusing your debit card to withdraw from atm
Was told there is a way to do it but i was just thinking about its impact on credit score

semmyk:
If the transaction from the CC to Paypal is not recorded as credit, then there's danger ahead. It would be treated as cash, which starts to accrue interest
Ewu nbẹ loko longẹ, Longẹ fún rara rẹ, ewu ni. Lexusgs430, help us interpret.

Wahala be like bicycle

Does it show the interest immediately?

LagosismyHome:


Then when the person has an accident what happens to your record.... I am amazed someone will do this for a stranger

What I said is that people do it. Whether you do it for a friend, family, foe, stranger is entirely up to you

No specific I'm afraid.

For instance 2 years ago, virgin money offered up to 30 months zero interest. But now it's 12 months.

Your best bet is Comparing deals online. Credit score apps if you are ed do show deals on offer as well

HollyMadison:
Thank you, do you have any specific recommendations?

semmyk:
If the transaction from the CC to Paypal is not recorded as credit, then there's danger ahead. It would be treated as cash, which starts to accrue interest
Ewu nbẹ loko longẹ, Longẹ fún rara rẹ, ewu ni. Lexusgs430, help us interpret.

You don talk am finish.......... Making a cash transaction from your CC, is like sticking your head, in a lions mouth (hoping to only receive a wet lick).........

hustla:


I mean fuding your paypal with your cc and thenusing your debit card to withdraw from atm

Was told there is a way to do it but i was just thinking about its impact on credit score

That will most likely count as withdrawing cash, best to steer clear of such.

HollyMadison:
Hi elders,

Please can you recommend credit cards that have deferred repayment option(1 year and above) to buy plane tickets

@ticha I think you mentioned using a credit card to buy tickets and you didn’t have to pay back for like 2-3 years

Your best bet .......... Buy your tickets with one credit card, apply for a balance transfer card of 32 months, then balance transfer the ticket debt, to the balance transfer card ..........

Lexusgs430:


You don talk am finish.......... Making a cash transaction from your CC, is like sticking your head, in a lions mouth (hoping to only receive a wet lick).........

What God cannot do does not exist

Estroller:


That will most likely count as withdrawing cash, best to steer clear of such.

Well, the issue of credit cards came up today and it's shocking to see what people (students) are doing with CCs

Paying minimum balance, transferring and withdrawing cash, saying even if their score is low, they'll build it when they want to buy a house etc

To each his own, I guess

hustla:


Well, the issue of credit cards came up today and it's shocking to see what people (students) are doing with CCs

Paying minimum balance, transferring and withdrawing cash, saying even if their score is low, they'll build it when they want to buy a house etc

To each his own, I guess

tears in the offing for them

Estroller:


tears in the offing for them

But for the PayPal bit, I think they make it seems like it's an outgoing payment to someone and the person sends it back

Probably not going to be an issue that way

hustla:


But for the PayPal bit, I think they make it seems like it's an outgoing payment to someone and the person sends it back

Probably not going to be an issue that way

This can work I guess

HollyMadison:
Hi elders,

Please can you recommend credit cards that have deferred repayment option(1 year and above) to buy plane tickets

@ticha I think you mentioned using a credit card to buy tickets and you didn’t have to pay back for like 2-3 years

Yes, I often used either the money transfer credit cards or the balance transfer credit cards to fund big purchases. Go for those that have upto 18 months or more interest free periods. Do not spend on the card once you transfer the balance to it or transfer money from it.

https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/

I prefer the money transfer cards cos it pays cash into my and I can re-distribute it as I please. I still buy the tickets with a credit card to give S75 protection.

Una carry round tripping from Naija enter UK eh? Soon they will stop or tighten CC issuance requirement to Nigerians

hustla:


But for the PayPal bit, I think they make it seems like it's an outgoing payment to someone and the person sends it back

Probably not going to be an issue that way

bigtt76:
Una carry round tripping from Naija enter UK eh? Soon they will stop or tighten CC issuance requirement to Nigerians

I think the trick is to take the GBP out, convert to naira and then use naija bank rate to pay back if possible

Problem is when the bank rate doesn't come and you owe cash + interest

Peerielass:


If you look back on this thread, we have discussed this in detail previously. Storage heaters work on dual tariff I.e off peak and day tariff. They are supposed to charge up during the night when there is off peak usage (cheaper electric) and then release the heat during the day. There is also some off peak electricity during the day in the afternoons but this will vary with your supplier. You can use your washing machine, dishwasher and other appliances during this time to avoid having to wake up at night. Your storage heater and hot water boiler are usually hard wired to the off peak meter. Changing to a standard meter will mean re-wiring and I don’t think this is straightforward and simple.

How much is your night rate (off peak rate) compared to the day rate? You will find that you are making considerable savings by restricting your energy use to off peak period compared to someone on a standard tariff.

My supplier; British gas does not have off peak during the day, instead they have day rate for one hour during the night.

Switching to single rate is just a matter of giving them instructions.

The boiler has 2 switches, one for day and one for night but the storage heater has only one switch such that if it's on during day, day billing is used and when on at night, night billing is used that is why when the room is warm during the day, I off the switch but need to wake up to on it at night. If I forget to wake up to on it, then I have to put it on in the morning which is day else I'll be cold.

Truth is I hardly do anything with electricity at night.

hustla:



I think the trick is to take the GBP out, convert to naira and then use naija bank rate to pay back if possible

Problem is when the bank rate doesn't come and you owe cash + interest

It won't work.
Amex or any credit card you use may likely reverse the transfer.
I've tried something like that.

Akorkor:


Which is the best? Stock and share ISA or Cash ISA? I just want to use it save

To preserve your money the way it is: cash

To grow your money with the possibility of losing it: stock and shares.

Stock and shares is not for the faint hearted, you won't understand this until it happens. I opened stock and shares and under 2 months, almost £500 was gone, I withdrew the remaining.

For stock and shares, it is advisable that you should leave the investment for a minimum of 5 years. The expectation is that even if it goes down, it should recover and make gains in that time.

hustla:


I mean fuding your paypal with your cc and thenusing your debit card to withdraw from atm

Was told there is a way to do it but i was just thinking about its impact on credit score

Spending/taking more than 30% of your credit limit impacts credit score negatively. People still argue this but my colleague went from excellent to poor because he used about 80% of his credit limit and paid back in full after statement generation.

LagosismyHome:


Don't pay nothing ... how can an employer enforce you to pay when you left . I would like to see how this works in reality

I think people pay because they think they must pay but if you don't pay I think nothing happens

People pay because after careful considerations, they agreed and signed that they'll pay in such scenario, it's not uncommon so let's not debate the consequences.

Experience may not be the best teacher in this case.

Ticha:


Yes, I often used either the money transfer credit cards or the balance transfer credit cards to fund big purchases. Go for those that have upto 18 months or more interest free periods. Do not spend on the card once you transfer the balance to it or transfer money from it.

https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/

I prefer the money transfer cards cos it pays cash into my and I can re-distribute it as I please. I still buy the tickets with a credit card to give S75 protection.

Interesting.

I will do further research on this.

.

hustla:



I think the trick is to take the GBP out, convert to naira and then use naija bank rate to pay back if possible

Problem is when the bank rate doesn't come and you owe cash + interest

If you play Tom & Jerry with CC, and your gamble backfires.............

You would only have the 46.9% people, to be romancing + a charge on your property ..........

CC is like fire, just don't get burnt..........