NewStats: 3,262,147 , 8,176,205 topics. Date: Saturday, 31 May 2025 at 11:28 PM 1a2q3i

Does a minor actually need a PCC?

Matter get as e be.

All but the pennies. Chai, omo I don old oo.

realwebman:
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Please enlighten me. How does the camera communicate with the phone if there's no WiFi connection?

SoftSport:

You're absolutely spot on! Credit scores aren't inherently criminal or problematic; they're tools that, when used wisely, can significantly enhance financial flexibility. Your story perfectly illustrates the power of discipline and financial prudence.

Starting with a modest $750 limit and growing it to $450k across multiple cards with an excellent 838 credit score is no small feat. It shows that understanding the system and playing by its rules can lead to great benefits.

The keys to your success—buying only what you need, paying off balances promptly, and maintaining low utilization—are exactly what many people overlook. Credit isn't "free money"; it's a tool to manage expenses and build a financial reputation.

For Nigerians familiar with "cash and carry," the credit system may seem foreign, but it aligns with the same principle: don’t spend what you don’t have. With discipline, anyone can thrive in this system without falling into the debt trap.

Your advice is gold: Na greed dey push people enter wahala. Keep it up, and thanks for sharing your insight.

The bolded summarized everything that's needed to build good credit. Nobody can tell me otherwise.

Weldone.

Angelfrost:
That lack of Credit System is what I love about living in Nigeria...!

My friend that relocated abroad almost got roped into debts by their system, till he ed and returned to his Naija orientation.

Don't get me wrong, there is nothing bad about helping people get things upfront and paying later or in instalments, but systematically compelling people to use the system by that criminal Credit Scoring process is what I find abhorrent.


This is what happens when criminal bank and financial cartels run nations.

There's nothing criminal about Credit Score. You just gotta give yourself some brain if you want to stay afloat.

I started with a credit limit of $750 from Discover Card but at the moment, I have 12 credit cards with a combined credit limit of almost $450k and credit score of 838.

How did I manage to build my credit?
I don't go on buying spree simply because I have the money on my cards. I buy what I need and can afford with my cards and I pay them off immediately or right before the next closing date. I don't ever have more than $1,000 debt in all my cards combined.

It's all about discipline. People wey wan do themselves, na them dey fall inside credit shitholes.
Any true Nigerian that's used to the cash and carry ways of transaction shouldn't have any problems with credit scoring system.

RealityKings1:


Merry Christmas sir

Thank you. And you as well.

OhGeeBee:

Thanks boss. This is yemike sir. I've sent the mail, the code is 4040
I don't know why spambot ban me just for posting appreciation post.

Got the details, David. Your have been credited. Enjoy your Christmas.

fbabs:


Please don't be angry, na we ask am.

I wouldn't reply to trolls like him. He's attention seeking and responding to him only fuels his desires.

Yemike:

Alright boss. The last giveaway you did, I was part of the winner and I mail you as you said but I got no response. I don't know why you ignored but I believed it's your intuition. If as part of your giveaway you decided to help the youths, please come online but if it's for widows, orphans, less priviledge, market women please continue offline as that's the best place to do it.

Hmm, truly your name looks familiar but I can't why you weren't credited and not responding to your mail wouldn't have been done intentionally.
Send your details to [email protected]. In the subject, add a 4 digit code and once you've sent the mail, post the same code here, so that I will know it's you and not someone else claiming to be you.

Shalom.

Those that are saying I should do a giveaway, for now, I've stopped doing online giveaways for the simple reason that most people that actually need the help do not get them but majority that receive them don't really need.

My giveaways are now offline and are targeted towards those that do need them.

Thanks to everyone that welcomed me back. Note that I've been in the country a few times within the last 15 years, just that this will be my first time during Christmas.

Na wa o. Having gone through the thread, I could notice some common denominators that contributed to the situation.

I'm really empathetic towards the average Nigerians that are going through these difficult times.

Like Ouchbabe said, it's well.

This will be my first Christmas in Nigeria in 15 years but sincerely it does not feel like Christmas at all.
Besides the cold harmattan weather in the morning that normally characterizes this time of the year, nothing else smells festivities.
I with nostalgia what Christmas used to feel like. Seems a whole lot has changed.

Apart from the economic situations, what else could have caused this?

Samueltemi337:
Compliment of the season sir

Same to you brother..

adeoyekay:
Compliment of the season sir our only Snowland and happy new year in advance

Eeyan pataki, compliments of the season and happy new year in advance to you as well

fbabs:



Eyin iwe Spider house

Civil or mech or elect elect

Se na Awo you stay or Faj

I be Mech and I stayed in Awo hall.

Elect Elect no dey spider. Mech, Civil and Met/Mat were the only Tech depts in Spider, as at then sha.

Lol..

For the first time I have the conviction to vote and it'll be for Harris.

The ladies played impressively for the last 15 mins of 90 mins.

VEHINTOLAR:
Brazil's second goal cancelled?

Seems first one was. I was offside in the play leading to the goal.

And the 2nd one is in. 2 goals in 2 minutes

humblede:
Any link to watch the match

The link shared above you is working. Non English commentary though.

Abeg bring yondoro for me oo.

From Juve to PSG, that's a good move Jenny.

Do youbstill offer this services?

These people no go kill me ooo. . I'm sure some gullible ones will start carrying kongos of rice to church as tithes.

chidekings:
any link to watch this match

I'm watching here

https://www.vipbox.lc/football/manchester-city-vs-west-ham-united-2-live

And that makes it 3 to 1.

And that's 2. Sorry Arsenal, better lucks next season.

otipoju:
O.A.U the school that formed us. It will be fixed in no time.

Oil full your head. That school turned boys into made men. Proudly OAUITE. Reaping Spider House.

How much is the mortgage?

That's what's always lacking is this type of story.

Dolakinz:

https://www.youtube.com/live/jnDNIbQOWEs?si=FM0D6OJBpf-L1ttQ

Thank you for this link.