NewStats: 3,263,463 , 8,180,206 topics. Date: Friday, 06 June 2025 at 03:22 AM 5c2a2i

onecoder:

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

My guy took out £3K

Not sure how he did it but he said something along the lines of what I wrote

Didnt wait to confirm, I dont like tampering with rubbish as we all have different aspirations and UK life waka

Lexusgs430:


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..........

Wetin concern me, when CC issues start, everyone go begin answer their papa name after all the overwise

Anything wey to spend 8 - 10% for CC, my hand no dey. I dont have strength for stories that touch the heart, body and soul

Viruses:

Does this mean paying the credit card balance directly from your naira ?

Clarify please �

No Sir/Ma

Viruses:


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[b] 80% [/b] of his credit limit and paid back in full after statement generation.

80%

... and I was thinking I was bad at using CC with my max 15% spend per month

Some people get mind sha but I am not one of them. I don't like anything that will make me put my hands at my back and start to shalaye

hustla:




80%

... and I was thinking I was bad at using CC with my max 15% spend per month

Some people get mind sha but I am not one of them. I don't like anything that will make me put my hands at my back and start to shalaye

He is Indian.
In India, the more you spend and pay back, the better your credit score. He had the money but thought it was the same thing so he tried his best to spend as much as possible and paid back.

onecoder:

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

It actually works and doesn’t get reversed. I did this once with my Amex CC when I had to pay a lump sum for a service and I wanted to hit that 10% spend on my CC for that month. However, I hear Amex will block your if you overdo it because it doesn’t reflect as cash withdrawal, it instead reflects as a PayPal online purchase.

Viruses:


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.

From what I can of storage heaters, they are not supposed to be operated without a reduced tariff (night, off-peak, whatever), because they are generally sort of inefficient in that you can't really control the release of heat after you've charged the thing on the cheaper rate which is a nightmare when you're out in the daytime. If I clearly, in Aberdeen then (and generally that cold part of up north in Scotland, we had special tariffs not Economy 7 or 10, something specifically designed for storage heating with two meters.

I don't know if this is your situation, but I had 2 meters, one for normal use covering lights points, sockets, etc, everything excluding heating and one which covered all the heating (boiler and heaters). They would charge slightly higher for the electricity used in the first meter and lower for the second meter, but that tariff was available throughout the day.

Let's say that the general price-cap for electricity per kWh is 10p. On the first meter I was billed higher, maybe 13p. Then on the second meter covering the heating I was billed lower, say 8p. But the 8p tariff was available throughout the day, not limited only to nights, and they would sometimes charge the storage heaters during the day as well and i could leave the boiler on its timer switch because irrespective of when it came up, day or night, the tariff was the same. I dont think that particular arrangement was available in England, people tended to talk about Economy 7 and 10 and all that.

So if you are being billed a higher day rate to make up for a lower night rate, in your shoes I would leave that for this winter (which is anyway appearing to be a mild one though, Aberdeen in those days was always very cold), then go to the flat rate when its warmer.

hustla:



Wetin concern me, when CC issues start, everyone go begin answer their papa name after all the overwise

Anything wey to spend 8 - 10% for CC, my hand no dey. I dont have strength for stories that touch the heart, body and soul

The beauty of having over £100,000 on plastic........ Is priceless..........

But financial discipline, is also very important........

Lexusgs430:


The beauty of having over £100,000 on plastic........ Is priceless..........

But financial discipline, is also very important........

No be everybody go fit manage this level of liquidity sha

Lexusgs430:


The beauty of having over £100,000 on plastic........ Is priceless..........

But financial discipline, is also very important........

God when

Viruses:

He is Indian.
In India, the more you spend and pay back, the better your credit score. He had the money but thought it was the same thing so he tried his best to spend as much as possible and paid back.

Well, simple research before getting it could have helped him

TheGuyFromHR:

So if you are being billed a higher day rate to make up for a lower night rate, in your shoes I would leave that for this winter (which is anyway appearing to be a mild one though, Aberdeen in those days was always very cold), then go to the flat rate when its warmer.

You took the thoughts out of my mind.
My case is one meter for day and night rate and the night rate is useless at night during summer, not even for charging phone.

hustla:


God when

It's not a good thing o .........

Hello guys. I posted about driving bruhaha where I worked. Although my company advised me to apply for a provincial license which I have done, I noticed they have been very cold towards me since then. They find fault in everything I do and threaten to send me home at any slight instant. They are delibrately frustrating me. I get accused for things I didn't do and I am not given a chance to defend myself. Currently I trek several miles daily to see clients because my company said I can only buy a car until I get my my driving test and I can't use my international license. They paid me without a pay slip and wen I requested they ignored. I was threatened that I will be sent home if any report comes about me. I am tired. I just called another company who are willing to sponsor me after an interview.

My question. Can I go with the new company because I have only worked for a month with my current company. What about my dependents, do they need to apply as well

progress160:

My question. Can I go with the new company because I have only worked for a month with my current company. What about my dependents, do they need to apply as well

Yes you can change jobs and your dependants can continue on their current visa and renew at expiration using your new COS.

Estroller:


Yes you can change jobs and your dependants can continue on their current visa and renew at expiration using your new COS.

Please do you know when someone with COS can apply for her new husband, is it after she has gotten her 5 years stamped on her port or now? the dependant is still in Nig. Can the dependant apply for visa with the COS?
THANKS

TobyTreasure:


Please do you know when someone with COS can apply for her new husband, is it after she has gotten her 5 years stamped on her port or now? the dependant is still in Nig. Can the dependant apply for visa with the COS?
THANKS

Now or later, as long as application is done before the visa of the main applicant expires.
Yes he will need the COS of the main applicant to apply.

LagosismyHome:


This should be fine , just add pictures. Certificate, chats and anything to show the relationship

Thank you so much for always.

I was going to point out this too but its a bad idea no matter the intent.

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

Joooooor what kind of visa sponsorship arrangement do you have with these people that they're holding your balls tight so? The threats are too many and looks more like abuse to me. You may have to report them to the authorities if you think your visa sponsorship is genuine and prepare to make the move away.

progress160:
Hello guys. I posted about driving bruhaha where I worked. Although my company advised me to apply for a provincial license which I have done, I noticed they have been very cold towards me since then. They find fault in everything I do and threaten to send me home at any slight instant. They are delibrately frustrating me. I get accused for things I didn't do and I am not given a chance to defend myself. Currently I trek several miles daily to see clients because my company said I can only buy a car until I get my my driving test and I can't use my international license. They paid me without a pay slip and wen I requested they ignored. I was threatened that I will be sent home if any report comes about me. I am tired. I just called another company who are willing to sponsor me after an interview.

My question. Can I go with the new company because I have only worked for a month with my current company. What about my dependents, do they need to apply as well

Well if he has the means here to pay back, why not. His monkey his circus I'm sure he's trading the Pounds to Naira and saving back home or forming hin don arrive then hustle to pay back here. The fact he got £3000 out means he must have good credit limit on the CC

hustla:


My guy took out £3K

Not sure how he did it but he said something along the lines of what I wrote

Didnt wait to confirm, I dont like tampering with rubbish as we all have different aspirations and UK life waka

Paying back in full BEFORE and AFTER statement generation brings interesting dynamics.

Viruses:
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.

Very true. Abeg how long before Amex CC increase person limit? Or do I have to specifically ask?

Lexusgs430:


The beauty of having over £100,000 on plastic........ Is priceless..........

But financial discipline, is also very important........

bigtt76:
Joooooor what kind of visa sponsorship arrangement do you have with these people that they're holding your balls tight so? The threats are too many and looks more like abuse to me. You may have to report them to the authorities if you think your visa sponsorship is genuine and prepare to make the move away.

There is a lot of modern day slavery with this tier 2 , its very sad to see.... employers are just exploiting immigrants left and right in so many ways. I hope anyone in that shoe 5 years fly by so quickly

Very true and sad really. May be because a lot of people demand it rather than earn it. You earn it when you have all qualifications and know your rights to be sponsored for one rather than the other way round. The OP obviously demanded it without knowing his/her rights or did not meet the requirements of the job and was given, now they are using that inadequacy to threaten him/her knowing backing out won't be an option

LagosismyHome:


There is a lot of modern day slavery with this tier 2 , its very sad to see.... employers are just exploiting immigrants left and right in so many ways. I hope anyone in that shoe 5 years fly by so quickly

The threats aren't good. #Toxic. On face value, they can be contested with ease. However, the 'generative mechanisms' aren't assistive. One nuance, albeit a fundamental one, is the OP uneconomical with the truth, and breaching UK driving rules (I bet the company have 'evidentary' record; although OP can turn around to rope 'em in as accomplice!).
Yes, if OP can move on, in the circumstances, it'll be great. In doing so, he should take UK driving a priority and get 'converted' as practically possible. Iree o

bigtt76:
Joooooor what kind of visa sponsorship arrangement do you have with these people that they're holding your balls tight so? The threats are too many and looks more like abuse to me. You may have to report them to the authorities if you think your visa sponsorship is genuine and prepare to make the move away.

progress160:
Hello guys. I posted about driving bruhaha where I worked. Although my company advised me to apply for a provincial license which I have done, I noticed they have been very cold towards me since then. They find fault in everything I do and threaten to send me home at any slight instant. ... ...
My question. Can I go with the new company because I have only worked for a month with my current company. What about my dependents, do they need to apply as well

Remote IT role with Xero in New Zealand. Good luck!

Lexusgs430:



It's not a good thing o .........

How na.

Can you make a down-payment with the credit?

Ticha:
Remote IT role with Xero in New Zealand. Good luck!

Err where's it?

bigtt76:
Well if he has the means here to pay back, why not. His monkey his circus I'm sure he's trading the Pounds to Naira and saving back home or forming hin don arrive then hustle to pay back here. The fact he got £3000 out means he must have good credit limit on the CC

Think his limit is 4,500. Not that much actually LOL

His money, his circus as you have said

hustla:



How na.

Can you make a down-payment with the credit?

A down payment for a car, phone etc etc ...... Yes ...... For a mortgage....... NO......

bigtt76:
Very true. Abeg how long before Amex CC increase person limit? Or do I have to specifically ask?

How long you had your AMEX .......