90% of people live on credit in the UK Use a credit card but buy things u need like grocery and always pay back to avoid a debt trap which people get caught up in.
Thank you so much sis . This video is packed . you both have pushed and silently taught anyone that wants to make the most out their stay in UK that it is possible ( that's if we read in between the lines in each video) . I have a new note now and drawn long term plan based on informations gotten from you both. May God bless you and keep you. May your home be filled with continous light and joy. And by the way, I have adopted you both as mentors ooo😍😍. Thank you again
This video is packed with vital info. I have learnt a lot from your videos and still learning. Thank you for always sharing this important info with us❤️❤️
Wow, I was wondering if it was possible not to pay interest on the credit card. There is a lot of information in this video. Thank you for this information.
This video is packed with so much useful information. The questions you asked and the way the answers were given, even the way it was explained. Mehn! I’m so glad I found your channel. Thank you so much.
Thank you Dozie and Tochi. You're splendid and amazing as a couple. I love your courage and audacity. What if between a couple one doesn't have a job yet. How could this impact on both credit score and credit card? Expecting your response please. Kudos. Thank you
Financial discipline should be a course o because that’s where most of us fail it. Thanks for this video, you did put in a lot of effort to be honest and it is showing now, well done you two👏
Thanks for the information. You mentioned high interest credit cards. Can you give an example of where to apply for such and is there a risk of denial for it if one's score is fair and will this denial involve a hard search which will further affect credit score? Also is there a need to wait 3mths after a bank credit card denial to apply for this particular type of credit card?
Thanks a lot for this video sis (my sister's name sake😁) At least you answered my question regarding having credit card as a student. Thank you so much🙏 my love to your son... He's so cute😘
Been persistent and researching helps to get a mortgage, even when you have short falls in credit history, it only means u may get higher interest rates but with a good history , you get favourable competitive market interest rates in your mortgage.
Very Informative, Credit Patch-Up LLC Tradelines changed my life. By getting more tradelines, I was able to improve my use of credit ratio without having to do anything. This motivated me to get my negatives off, make sure all of my bills re on auto-pay, and brought my credit up from mid 5s to +780. I highly recommend you work with them if you looking to clear off all debts and get your credit fixed, because they most certainly work for you.(CONTACT@CREDITPATCHU. COM)
Thanks for this video Tochi. So where and how does one apply for a credit card? I think I need one right now. Directly with Experian? or where? Thanks!
Good information and helpful indeed. I am just trying to get the link where you discussed things to do immediately when you arrive in the UK. It was featured when you talked about national insurance number from your BRP.
Congratulations on your first house, I am a British citizen, with over 18years living in the UK, working and paying my taxes, i still haven't bought my first house which i have been saving for the best part of 10 years, i don't particularly have a good credit score, average i would say, but that shouldn't prevent me from getting a mortgage considering the amount of financial transactions I have made whilst living in the UK. I feel it's very unfair that Mortgages are given to visa holders who haven't been in the country that long, yet British citizens are been denied mortgages because of an average score. Let me know your take on this.
Hi Tochi thanks for the information. Your videos are always amazing. Please can you make a video on Secrets of Working in The UK - What you Should Know about Working in Uk,Work Culture. Thanks 🙏🏽
How do you mean closing your credit account? Is it by paying off your debt, it means you are closing out the account? Does it mean you can’t apply for a mortgage as a single person?
Thank you so much for this informative video. Please what credit card companies would you recommend for a new comer to apply to get a credit card from? Thank you!
Is the mortgage on both of you or just your husband? Any advise on which cities have low mortgage? Otherwise thanks for the video, I have learned a lot God give you more grace of wisdom
Basically, A good credit score saves you money. Very important because because some people might become reckless with money because they can get things on credit. Discipline is very important 👏🏽👏🏽 Hey precious Special Guest.. Welcome 🥰
I was told I must have a uk address for 3 years before I can buy an appliance on credit from a particular store. How can I build my credit score if I'm not in the uk for 3 years. I would like to credit a phone to start building my credit score.
My family just moved to the uk about 2 weeks ago. We are yet to get a job. We already have a mono account. Do you feel it's okay to get a credit card now when we are still job hunting
Hello Tochi, thank you for this information about credit score and all.. please I will like to ask if you have heard about Ocean Credit card or aware of how good they are ?
thanks for this video, you mentioned that if i applied and was rejected, then i should hold on a bit before another application. What if I checked eligibility and wasnt eligible, can i check again or still hold on. thanks
HI Tochi, thanks so much for these packages, I personally appreciate it, God bless you. I have an issue I want you to please shed light on. I don't know how I can get in touch.
Hello ma...i want to relocate to Uk but I can't raise the funds, I have been trying to apply for jobs from the sites you posted on vlog but I haven't been lucky to secure one....what can I do..how can you help me out ma..pls ma
Nice video very informative when we tried getting we did not get because I was told my husband was a student and we did not even no About credit card 💳 but building it now will try again hopefully it will work ..thanks for sharing
Hello Tochi, thank you for your very informative video. I was wondering how you can build you credit to be able to get your first credit e.g mobile phone contract. I am a student and I came in in August 2021. I am on voter’s list, I ‘ve NI, I have a direct debit from my school leaving my account, I checked today and my credit score is 515/700. It just went up 5points from last month..
Do you just transfer money from your main account back into your after using your credit card or you wait till you've used 25% of your credit. Also, how do you know the deadline when it will start counting interest
Okay you said I should not use all the money for in my credit card … well what if I got 1000 pounds and I use all of it and never exceed that amount and then pay it back in time the following month is there a problem ?
Good job Tochi. I was trying to get a credit card ibut denied. I was told am not eligible probably because i haven't spent upto 3 years and i want to start building my credit score immediately . What do you think i can do to get a credit card easily. Thanks
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90% of people live on credit in the UK
Use a credit card but buy things u need like grocery and always pay back to avoid a debt trap which people get caught up in.
Thank you for this lovely video❤! You are now both my ‘adopted’ grandchildren, who have dedicated yourselves to help millions of people.
you both are just wonderful. thank you for the enlightenment, as this is a very important topic for every U.k resident to consider
Thank you so much for watching
This video is really enjoyable to listen too , your husband just made this credit score topic really detailed with his explanations
Awww, thank you so much
Awww, thank you so much
Very important information out people keep deceiving us about credit card but hearing this from you is good and it was well explained
Yea, thank you for watching
Thank you so much sis .
This video is packed . you both have pushed and silently taught anyone that wants to make the most out their stay in UK that it is possible ( that's if we read in between the lines in each video) . I have a new note now and drawn long term plan based on informations gotten from you both. May God bless you and keep you. May your home be filled with continous light and joy. And by the way, I have adopted you both as mentors ooo😍😍. Thank you again
Awww, this is so sweet. I’m glad you got something from the video, God bless you
Useful info. Great job
Very pleased to see that you have chosen to make your home here in the UK. This was an interesting topic. God bless you and your family.
Thank you so much
This video is packed with vital info. I have learnt a lot from your videos and still learning. Thank you for always sharing this important info with us❤️❤️
Thank you for always watching dear
Wow, I was wondering if it was possible not to pay interest on the credit card. There is a lot of information in this video. Thank you for this information.
Yes you can! Thanks for watching
We love your new guest so stop appologising for him.
Thanks for sharing!
This video is packed with so much useful information. The questions you asked and the way the answers were given, even the way it was explained. Mehn! I’m so glad I found your channel. Thank you so much.
Thank you for watching dear
I like the way you tuckled this one of building credit score
Some times in life failure is amust in order to knw exactly what to fix ,that was agreat experience for you guys congrats
This is a very helpful details on how to build credit score and manage credit cards. Our special guest is so lovely.
Thank you so much
Thank you for sharing your personal experiences. That was Great.
Thank you for watching
A lovely "little man" you have there. Thanks for the video.
Thank you so much
Thank you Dozie and Tochi.
You're splendid and amazing as a couple. I love your courage and audacity.
What if between a couple one doesn't have a job yet.
How could this impact on both credit score and credit card?
Expecting your response please.
Kudos.
Thank you
See this great fam. You guys are doing a good job. Regards to the young man. Well-done guys
How did you get a credit card immediately after entering the country though because most banks I know will not give you one that quickly
Thanks for sharing this well detailed information,will be so helpful to anyone coming over there.
Thank you for watching
This video was amazing . Beautiful Good bless you
Thank you so much for watching
Thank you so much...I love this family! God bless you
Amen! Thanks so much
I love the cordination in the video between you two
Financial discipline should be a course o because that’s where most of us fail it.
Thanks for this video, you did put in a lot of effort to be honest and it is showing now, well done you two👏
Thank you so much dear
You both are amazing. Thank you for sharing your homeowning journey, its so helpful and inspiring.
Thank you so much for watching
Thanks for the information. You mentioned high interest credit cards. Can you give an example of where to apply for such and is there a risk of denial for it if one's score is fair and will this denial involve a hard search which will further affect credit score? Also is there a need to wait 3mths after a bank credit card denial to apply for this particular type of credit card?
I need to score my credit oh😁 congratulations sis your channel is vomming so well. More grace
Thank you so much sis
Great video. Pls which mortgage broker did you use?
Thanks a lot for this video sis (my sister's name sake😁) At least you answered my question regarding having credit card as a student. Thank you so much🙏 my love to your son... He's so cute😘
Awww, thank you so much. Regards to your sister
Thanks mem on that question you raised on partners
You guyz did the best explanation so far
Been persistent and researching helps to get a mortgage, even when you have short falls in credit history, it only means u may get higher interest rates but with a good history , you get favourable competitive market interest rates in your mortgage.
Very Informative, Credit Patch-Up LLC Tradelines changed my life. By getting more tradelines, I was able to improve my use of credit ratio without having to do anything. This motivated me to get my negatives off, make sure all of my bills re on auto-pay, and brought my credit up from mid 5s to +780. I highly recommend you work with them if you looking to clear off all debts and get your credit fixed, because they most certainly work for you.(CONTACT@CREDITPATCHU. COM)
Thanks for this video Tochi. So where and how does one apply for a credit card? I think I need one right now. Directly with Experian? or where? Thanks!
Great tips, I believe THIS Good credit score will be the key to a mortgage probably in almost any country. Thank you for the advice.
Good information and helpful indeed. I am just trying to get the link where you discussed things to do immediately when you arrive in the UK. It was featured when you talked about national insurance number from your BRP.
Congratulations on your first house, I am a British citizen, with over 18years living in the UK, working and paying my taxes, i still haven't bought my first house which i have been saving for the best part of 10 years, i don't particularly have a good credit score, average i would say, but that shouldn't prevent me from getting a mortgage considering the amount of financial transactions I have made whilst living in the UK.
I feel it's very unfair that Mortgages are given to visa holders who haven't been in the country that long, yet British citizens are been denied mortgages because of an average score.
Let me know your take on this.
So informative Tochi. Thank you
This video is very informative and thanks for sharing your personal experiences with us.
Thank you for watching
Tochi dear! Your videos are always loaded with lots information ❤️❤️ you are indeed sharing a lot here! Very useful ❤️
Thank you so much dear
Tochi thank. Lovely family 🎉
Great and helpful information
Thank you for watching
Thanks for these information .
Thank you for watching
Hi Tochi thanks for the information. Your videos are always amazing. Please can you make a video on Secrets of Working in The UK - What you Should Know about Working in Uk,Work Culture. Thanks 🙏🏽
Ok, I’ll consider it. Though I already have a video on things I’ve learnt working in the uk, you can check it out
@@TochiEsther alright Tochi thanks I think I have gone through that video already.
Thanks for these financial information. The Young man is your photocopy Tochi. God bless Him richly.
Very educative, informative and helpful , thanks guys for sharing.
Thank you for watching
Very informative. Thank you
Thanks for the information, you are a great couple
Thank you so much
informative video! thank you
Thank you for this very informative session. Please concerning setting direct debit, does the bank matters, eg using Revolut bank? Thank you
You can use any bank
Thank you for your wonderful video. I'd like to know if one of you was a student when you got your house.
Not at all
Very informative..... Thank you Dozie
Indeed you need a good credit score for lenders to lend you . Credit card is good 👍🏻 thanks to hubby for this detailed information.
Very true. Thank you for watching
Thank you so much for these series of videos. How do I know my credit score?
Thank you so much for educating us once again your family is amazing
Great advice,good job guys 👏
This is great. Thank you both♥️
Thank you for watching
Very educational, I've really learnt a lot👏👏
Thank you so much
How do you mean closing your credit account? Is it by paying off your debt, it means you are closing out the account? Does it mean you can’t apply for a mortgage as a single person?
Very insightful video. Thanks to you both!
Thank you for watching
So helpful. Thank you guys 😊
Thank you for watching
Always great to watch you guys
Thank you so much
Thank you so much for this informative video. Please what credit card companies would you recommend for a new comer to apply to get a credit card from? Thank you!
I am also interested in the answer to this question
Thank you, very g
Helpful
Is the mortgage on both of you or just your husband? Any advise on which cities have low mortgage? Otherwise thanks for the video, I have learned a lot God give you more grace of wisdom
Basically, A good credit score saves you money.
Very important because because some people might become reckless with money because they can get things on credit.
Discipline is very important 👏🏽👏🏽
Hey precious Special Guest.. Welcome 🥰
Thank you so much for watching. Discipline is very important
Grest content as usual weldone
Thank you for watching
I was told I must have a uk address for 3 years before I can buy an appliance on credit from a particular store. How can I build my credit score if I'm not in the uk for 3 years. I would like to credit a phone to start building my credit score.
Wow lovely thanks for sharing
Thank you for watching
Very informative video. Thank you!
Thank you for watching
Thanks for sharing
My pleasure
Thank you for the information. Pls my questions is direct debts on accounts like Monzo or Revolut count to credit score.
My family just moved to the uk about 2 weeks ago.
We are yet to get a job. We already have a mono account. Do you feel it's okay to get a credit card now when we are still job hunting
Insightful👍
Hello Tochi, thank you for this information about credit score and all.. please I will like to ask if you have heard about Ocean Credit card or aware of how good they are ?
Yes, we use their card
@@TochiEsther thank you for your response
Very good information
thanks for this video, you mentioned that if i applied and was rejected, then i should hold on a bit before another application. What if I checked eligibility and wasnt eligible, can i check again or still hold on. thanks
This Video is 👌🏽👌🏽👌🏽👌🏽👌🏽👌🏽
HI Tochi, thanks so much for these packages, I personally appreciate it, God bless you. I have an issue I want you to please shed light on. I don't know how I can get in touch.
Kindly check the description for ways to reach me
Hello ma...i want to relocate to Uk but I can't raise the funds, I have been trying to apply for jobs from the sites you posted on vlog but I haven't been lucky to secure one....what can I do..how can you help me out ma..pls ma
When you first arrive in the UK how long before you could apply for a credit card and what is needed to qualify for a credit card
Nice video very informative when we tried getting we did not get because I was told my husband was a student and we did not even no About credit card 💳 but building it now will try again hopefully it will work ..thanks for sharing
It will definitely work. Thank you for watching
Weldone maam. This is very helpful
Please what of couple with joint account, can they use it to set up direct debit
Good talk
Do you have to be a permanent citizen before you can save towards your house? Can a student save for ISA account?
Hello Tochi, thank you for your very informative video. I was wondering how you can build you credit to be able to get your first credit e.g mobile phone contract. I am a student and I came in in August 2021. I am on voter’s list, I ‘ve NI, I have a direct debit from my school leaving my account, I checked today and my credit score is 515/700. It just went up 5points from last month..
Do you just transfer money from your main account back into your after using your credit card or you wait till you've used 25% of your credit. Also, how do you know the deadline when it will start counting interest
I have this question in mind too but I can't see the response
Okay you said I should not use all the money for in my credit card … well what if I got 1000 pounds and I use all of it and never exceed that amount and then pay it back in time the following month is there a problem ?
Chai, u and ur hubby a such a great force. Jidenu nke unu ji ❤️
Thanks!
Nice content
Thank you for watching
Pls can u do a video of what type of bank credit card can one apply to.
Thank you so much Guys 💓
The best content creator m
What about if your rent is all bills inclusive and you have done a standing order for it, that's it build your credit score???
Hey sis, I live already in Austria, how can I apply to this healthcare program? I’m very much interested. Thanks for sharing this information.
Kindly check the description of the healthcare video for links to apply
So the uk is £2.3billion in debt and they want to give ME a credit score?
Good job Tochi. I was trying to get a credit card ibut denied. I was told am not eligible probably because i haven't spent upto 3 years and i want to start building my credit score immediately . What do you think i can do to get a credit card easily. Thanks
Very informative and well detailed, learnt alot👌
Thank you so much dear
Good 👍 content..........please can a 20k+ salary earner per year get a mortgage?????