I Wish I Knew This as an International Student in the UK | I Regret Not Knowing This

[@rudyatie3154]

Hi Favor, is your girl from Scotland. Happy to announce that I have graduated and gotten a sponsorship job with a council in Scotland. Thank you for mentoring me❤

[@IntentionalFavour]

Of course I remember you and your name even. Yippee! Congratulations 🎉 That's such a great news and I'm so happy for you. Glad to be a part of your success story. More wins girl 💃🎉

[@Munas_corner]

@intentionalfavour pls I will like you to also mentor me on this same journey, I am a graduate of microbiology here in Nigeria and I really want to do pre-registration nursing in the UK but the fee is quite high and I don't know how to go about starting the journey with what I have with hope to complete the fees before the end of the 2 year duration of the course. I will be glad to hear from you. Congratulations to you @rudyatie3154

[@CEOpaschal]

What did you study

[@O73l031]

You just changed my mindset on credit. Thank you Favour🙏

[@elohordenedo8952]

I love the way you made the topic so easy. Thanks

[@foluzzy_wade6026]

Thanks for this video Favour. From my own experience, what increased my credit score the most was getting a credit card. I had Several direct debits on my account and was also registered on the electoral register but my credit score was still quite low and one of the reasons they gave was that it's because I didn't have any active credit cards. As soon as I got a credit card, even within a month of getting the card, my credit score increased

[@elizabethbamidele3104]

Thank you for your lecture it will help me prepare ahead as i will be in uk soon.

[@ayobambamenilo6443]

Awesome facts..Thanks Sis

[@nancyemakporuena-oboidhe]

Yeah it’s true it’s building your credit score. I got my Samsung and it was a family I lived with got it for me that was 2014/15. I even got about 3 credit cards.

[@ThatGirlRuchie]

Credit /credit score is also important in US and necessary for a lot of things like buying a house, car, school loans, etc. For the phone contract, I actually bought mine for half the price by paying for 30 months 😂 Also, worth noting that having or using credit cards should be according to your paying back capacity. Just use the cards and then pay back the money every month; that is how to build credit scores.

[@IntentionalFavour]

Well said! You bought it half the price? Wow! That's interesting

[@ThatGirlRuchie]

@@IntentionalFavour yes! Since I paid for 30 months, they credited me $10 each month as I paid $20, making the iPhone half price 😁

[@godisbig827]

Is that how it works in US? Bcos in UK, from what I've heard it cost more. If there's a cheaper way of doing it in UK, please let us know.

[@ThatGirlRuchie]

@@godisbig827 I guess every country is different. I wouldn’t know if there’s a cheaper way over there but US networks have several ways of getting new customers on yearly contracts and this kind of discount is one of them.

[@tinakwatemaa]

Thanks for the information ❤

[@henriettaoji5406]

Thanks for this info, it has really helped.

[@Sam-vw1sw]

please I also wanted to ask ma; do you have recommendation of jobs that do not require a degree or experience that can grant someone a certificate of sponsorship if they plan to switch to a skilled worker?

[@luqmanmustapha5825]

7:31 besides, most car finance coys prefer some1 with atleast 3 yrs stay in UK

[@joychizzy6603]

First here😊

[@IntentionalFavour]

❤️❤️❤️

[@Guide_AI-p7u]

I have been hearing about this credit score since. Thank you for really going into details. I have an international driving license and will come to the UK in September by the grace of God. Do you have any idea how I can use that to improve my credit score?

[@IntentionalFavour]

Driving licence does not improve credit score

[@n-silverose6244]

I heard someone that bought car on credit i was wondering why, so I now understand better

[@syotesy1027]

If you are an international student in UK and want to buy an item for 1 yr installment, which credit card will you be using? Is it the credit card that you got from home country?

[@FolaY]

My husband and i have applied to American express severally but got rejected, don't know why

[@FolaY]

Please can you share the exact credit card your husband was given

[@IntentionalFavour]

Sorry about that. Sometimes they reject the application. I'll suggest you leave some time and try again.

[@rudyatie3154]

This came right in time for me

[@IntentionalFavour]

Glad to know. All the best in your social work career. Sincerely happy for you ❤️

[@marydamiii]

Hi Favour. Thank you for this information. How can you check your credit score?

[@IntentionalFavour]

I don't know about all banks, but I check mine through my bank app; I bank with Halifax. Two major companies that does that are Experian and Trans Union, you can check it with them, just Google how to.

[@marydamiii]

@@IntentionalFavour Thank you so much

[@zizzybugatti8819]

Hello favour, is an Education Officer a Social Worker? I have a client trying to apply for Social Work Masters in Canada but wondered if her experience as an Education Officer will get her MSW without BSW degree?

[@IntentionalFavour]

An education worker isn't a social worker. It depends on what she does as an education worker to qualify as a needed experience for studying social work..

[@dikeprisca2866]

What percentage is considered high interest rate? My bank Monzo offered me card but I don’t understand the interest rate so I didn’t apply for it. I don’t understand those credit unit and all very confusing terms 🤦‍♀️

[@IntentionalFavour]

It's relative, although some banks have higher interest rates. I'm not an expert in that though.

[@ileriayotemitope6108]

Is it the Monzo plus?

[@om8807]

🎉🎉🎉

[@iboraboghene7384]

What about using different debit on different accounts will both count or just one

[@IntentionalFavour]

Your credit score takes account of all your accounts, so they all count...

[@nakhicruise6951]

Plz how were u able to work and save when the 2nd year for SW is for placement.

[@IntentionalFavour]

I was working Friday and Saturday nights. My workplace then wasn't far from my house, I just trek to work and my placement was in the same town where I lived..

[@ebuehidamilola6324]

So I can buy a Mac book as an international student as soon as I arrive on credit right

[@IntentionalFavour]

Mac book? As soon as you arrive? No!

[@tinaeffirim9455]

I think with O2, you'll have to deposit a certain amount which is given back to you after 3 months but I don't know of other telecommunication companies. So yeah, you can take a laptop on credit when you arrive.

[@priscachika6797]

@@IntentionalFavour should i buy my laptop here in Nigeria before coming or I should buy over there?

[@bigtt76]

@@IntentionalFavour 🤣🤣🤣

[@bigtt76]

@@priscachika6797 Most schools (assuming you are a student) allow you loan one from your library. But yes it might be cheaper buying from Nigeria

[@ChatsWBesties]

❤❤❤

[@iboraboghene7384]

Jist did using your link but was also rejected

[@IntentionalFavour]

Sorry about that. Some people used it and got accepted. It actually depends on the answers you gave. You can give it a try some months later...

[@hammedlanrewaju2057]

How many weeks have u spent in UK ???? U see ds UK students sum just spent 2 weeks and they already bcom a consultant or an agent

[@IntentionalFavour]

You just made a fool of yourself with this comment 🤣🤣🤣 You think say you dey wise 🙄🙄

[@johnbarnes3365]

Ode

[@temitopeadeniyi2137]

Please can you drop the link to the credit card

[@IntentionalFavour]

Yeah, updated the description box late with it late but here you have it... americanexpress.com/en-gb/referral/cHUKWNvUOR?XL=MNANS

[@reginaeneabah233]

Thank you for the information ❤