英國生活必學！什麼是 Credit Score 信用評分? 有乜用? 點樣 Check 自己嘅 Credit Score? 點樣砌靚個Credit Score?

[@giftedchildhk2305]

請問想用香港AE卡轉UK AE卡既話, 係咪就無得BA 果條LINK?

[@fortunebackup4374]

very organised video, neat and tidy. thanks

[@SIMON91521UK]

去完冰島 咁快就出片 利害! 資料好有用 加油 香港人!

[@marineenge]

都返咗嚟幾日，張AE卡出奇地易批，朋友都話應該要拍片推介🤣 所以想趁仲有welcome offer時推介俾大家

[@SIMON91521UK]

@@marineenge 多謝你的推介 好有用 加油 香港人!

[@marineenge]

@@SIMON91521UK 多謝支持

[@margaretm.briggs6324]

You can't rent an apartment, get a mortgage, get a car, get a loan for medial services, get certain jobs, get car affordable insurance with no credit. Not to mention get a cell phone, certain utilities, co sign for a family member in an emergency. *CREDIT MASTER FIX* added 190 points to my FICO score. Having a good long credit history is irreplaceable when you need it most.

[@harrismaison5949]

職業你係Digital creator呀！🤭 追睇返你嘅舊作, Thanks!

[@henry20061227]

非常之有用，多謝分享。🙏🙏🙏🙏

[@marineenge]

多謝支持

[@robertg.williams8881]

I've been a fan of Suze Orman for years and have recently started listening to Dave Ramsey. Once thing I've learned about getting financial advice is to do what works best for you. I don't heed everything they say because there is not a one shoe fits all situation. This piece of advice i am giving here is because *CREDIT MASTER FIX* assisted to a 800+ FICO , as well as a clean report. Sure it's not a measurement of success but to the average person who cannot buy a house or car without financing keep your credit score high as possible or else a high interest rate will follow.

[@cff5538]

我用Halifax saving ac我今個月quit 左份工， 佢扣左我同我老公四分，咁多個月佢每個月加得我地好少， 都唔知佢哋個規矩點玩？

[@violachiu8461]

Thanks! 用左referral link👍🏻

[@marineenge]

Great~ 👍🏻

[@chengloretta5355]

多謝你🙏🙏🙏👍👍👍

[@marineenge]

多謝支持

[@tctonyyim4577]

剛剛嘗試申請這張BA AW 信用卡, 但最後被turn down application, 我在職業欄寫retired, 因為剛來UK 暫時未有工作. 請問應如何處理?

[@marineenge]

你可以試下3個月後再申請，填self-employ, 收入填少少，可能£12000一年之類再試試

[@panmina3012]

想知己退休人士沒工作的怎申請在英 Amex credit 卡？請問self-employed 但沒收入證明的又怎會要填上總收入的數？我想知原因，謝謝妳！

[@billyjohnson7651]

Thanks for sharing!

[@marineenge]

Thanks 😊

[@ritaho3081]

請問在英國開的離岸户口 對 Credit Score有無影響?

[@marineenge]

個户口喺英國加登記地址係英國就有影響，否則就無

[@Joo22218]

Tks for your sharing

[@marineenge]

Thanks for your support😊

[@fionfung5630]

即係首先要租到屋先去申請銀行戶口or手提plan之類...先去set up credit score la?😅

[@marineenge]

住air BnB都可以開bank account, 未有户口租屋交錢都會煩，或者睇下有無friend地址借黎for開户口收debit card

[@kallen_hung]

​ @瑪蓮英移 MarineEngE 想問申請完張卡批左 佢有冇APP/ 有無方法將錢轉定入去先等佢慢慢扣

[@marineenge]

Amex有app, 簽賬後可以經app用debit card找數，如果想入定啲錢入去都可以用bank account自己send去AE account, reference填返你credit card number就得，不過用呢個方法唔係real-time, 我試過一次預先入定錢入去，next date張AE card收到

[@成田2002]

掂呀。一直搵緊呢張卡。唔該晒🙏🙏

[@marineenge]

你試咗apply未？成功咗？

[@成田2002]

@@marineengeWe regret to inform you that your application has been unsuccessful. American Express® has its own unique criteria which is used to assess the information. 要有實質 income

[@DanielAPrice-sd7qy]

At 65 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. and oh Graham, fyi my emergency fund is also a done deal with perfect fix of my report by *CREDIT MASTER FIX* lol, I didn't make it happen myself....

[@neckiyuty]

請問 如果有香港個張ae explorer ,可唔可以轉做呢張 英國ae ba？

[@marineenge]

可以呀，你打去UK AE佢俾你轉架，有識人試過😊

[@margaretm.briggs6324]

You can't rent an apartment, get a mortgage, get a car, get a loan for medial services, get certain jobs, get car affordable insurance with no credit. Not to mention get a cell phone, certain utilities, co sign for a family member in an emergency. *CREDIT MASTER FIX* added 190 points to my FICO score. Having a good long credit history is irreplaceable when you need it most.,,,,,,,,,

[@kitlau8388]

您好，我入境英國用特區護照，之後在英國補領BNO護照，我應該用那本護照登記考試？另外，有啲youtube話life in uk test 有效期得一年，究竟有幾耐，麻煩回答，謝謝！😅

[@carolwong1189]

Life in uk 永久有效

[@angelicjazzie]

請問申請AE BA條link ? Tks !

[@marineenge]

amex.co.uk/refer/wAIMIH1ah2?XL=MIANS

[@tctonyyim4577]

請問我沒有BA 的account. 用你提供的link 申請BA AE 卡時佢話會幫我申請埋BA Executive Club membership. 請問這個membership 要交年費嗎? 謝謝.

[@marineenge]

唔洗呀，用黎儲Avios point, 即係類似Asiamiles account咁

[@Kinako305]

唔知點解唔批我？🥲係咪唔可以用返冇做嗰份工嘅資料？

[@marineenge]

試下下次填self-employ, 最好3個月後

[@kitman9301]

英國按揭準時還款，個credit score會升得快嗎？

[@marineenge]

對！

[@sasakiyuri10]

請問香港credit score良 好，申請bno visa係未比較容易批？

[@marineenge]

無關係

[@wendywong6590]

即係要有地址至開始有credit reference 啦。

[@marineenge]

Yes and also bank account or election registration

[@fet88chan18]

點解不在開銀行戶口時同時申請credit card ? 好像英國人不流行申請credit card 及用credit card, 那麼他們在外國旅行時用甚麼方法俾錢及㩒錢？ Thx

[@marineenge]

因為無credit score或者credit score低銀行唔批credit card, 舉個例，你係HK HSBC Premier客一定可以申請Premier Credit Card, 但英國你就算係UK HSBC Premier客都未必批Premier Credit Card

[@marineenge]

英國信用卡好難申請，所以我先意外呢張AE card咁易批同出片推介

[@marineenge]

佢哋唔係唔興用credit card, 係因為credit card好難申請，ATM 攞錢、UK或海外消費都可以用Debit Card

[@fet88chan18]

@@marineenge 那麼有credit card 表示這個人是信用好,比較有錢的人,身份地位像徵！ Private bank 客一定有credit card, 如Beckham emma raducanu 自動送上credit card！😭💳

[@marineenge]

@@fet88chan18 咁又未至於咩身份象，credit score可以儲，同埋有啲credit card易申請啲，有啲難啲，好似我呢張AE BA card就好易申請，資料都唔洗交，online填完form就申請到，我都唔係啲咩大人物🤣仲要無業

[@laurenceyuwb]

May i have the apply link?

[@marineenge]

Hello, 可以用呢條link amex.co.uk/refer/wINGYMIz4M?XL=MIMNS

[@margaretm.briggs6324]

You can't rent an apartment, get a mortgage, get a car, get a loan for medial services, get certain jobs, get car affordable insurance with no credit. Not to mention get a cell phone, certain utilities, co sign for a family member in an emergency. *CREDIT MASTER FIX* added 190 points to my FICO score. Having a good long credit history is irreplaceable when you need it most...

[@defabc997]

係迷只在英申請AE信用咭?

[@marineenge]

呢張係英國嘅信用卡，要在英國申請

[@defabc997]

@@marineenge many thanks

[@margaretm.briggs6324]

You can't rent an apartment, get a mortgage, get a car, get a loan for medial services, get certain jobs, get car affordable insurance with no credit. Not to mention get a cell phone, certain utilities, co sign for a family member in an emergency. *CREDIT MASTER FIX* added 190 points to my FICO score. Having a good long credit history is irreplaceable when you need it most.

[@cpcp9417]

講AE card 個段聲音有破音，聽不清楚🧏‍♂️

[@marineenge]

Oh, sorry, 我個 mic好似壞壞地🥲 我同老公都成功申請到UK AE BA信用卡，只需要online填form，無要求補交文件，即時批核，我哋兩個目前都無工作，所以職業填Retired，但Income嗰度有照填收入，AE即時 Approve，約1-2個工作天收到張卡，用我Description嘅Referral link，成功申請後頭3個月簽夠£1000仲有12,000 Avios Mileage送，平時簽賬都有£1=1 Avios，免年費，我哋介紹咗其他朋友，佢地都成功申請到同收到卡，所以想推介俾大家試，有信用卡儲 credit score快好多💪🏻

[@cpcp9417]

@@marineenge 資料好有用，謝謝你🙏🏻

[@28gogoshop]

@@marineenge 到達英國前可否申請？

[@marineenge]

@@28gogoshop 唔得，無英國地址同credit reference應該唔會批

[@28gogoshop]

@@marineenge what is credit reference?

[@kcfung2009]

香港的AE咭年費貴, 沒豁免. 英國的AE咭也是一樣嗎?

[@marineenge]

呢張BA卡永久免年費

[@marineenge]

平時簽賬£1有1 Avios Mile, 用我條Referral link ，11月2日前成功申請，頭3個月簽滿£1000有12000里

[@sze11993]

Nationality係寫united Kingdom定chinese? Reject zor我個申請

[@marineenge]

我填UK，老公無BNO填Chinese，我地兩個都approved同攞到卡。

[@leoleo5278]

@@marineenge 無工作，但有收入，請問你填咗幾多? 但算唔算請大話?

[@Sydney1990]

Amazon Credit card 呢張卡? You recently completed an eligibility check for Amazon Platinum Mastercard, but did not complete your application. If you are still interested in applying, you’re pre-approved at 21.9% APR (variable) with an estimated credit limit of £7500.

[@Liwinpooluk]

咁如果我在香港已開左離岸戶口，例如HSBC UK, 但用香港地址，咁我現在晌香港是否會有英國credit score …?

[@marineenge]

無，要有uk地址先會有

[@leoleo5278]

@@marineenge 請問hsbc uk，其實係離岸戶口嚟或係屬於英國本地戶口?

[@jackiehoiki]

why more bank account = less credit score?

[@marineenge]

Hi, opening a new bank account should only lower your credit score temporarily - but if you do it too often, your score won’t have time to recover. Ref: www.experian.co.uk/consumer/guides/what-affects-score.html

[@marineenge]

So the best way is to open all the required bank accounts in the very beginning and then just tie with these accounts.

[@marineenge]

The score will drop once you opened a new account and take time to recover.

[@marineenge]

The creditors always like the debtors to be as stable as possible, opening new bank account May possibly imply some new financial plannings. Similarly, moving home also a signal of new expenses and new changes, so avoid moving too frequently to retain a high credit score.

[@leoleo5278]

@@marineenge 如只有hsbc UK 夠唔夠呢? 要唔要開多一個Loyds? 我剛到英國約1個月。