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.
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.
@@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
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....
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.,,,,,,,,,
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.
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...
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.
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
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.
![英國和美國英文字的分別。英國人明白美國英文？小心不要在英國用美國英文。UK vs US Eng [Part 2]](/img/1.gif)
very organised video, neat and tidy. thanks
請問想用香港AE卡轉UK AE卡既話, 係咪就無得BA 果條LINK?
非常之有用，多謝分享。🙏🙏🙏🙏
多謝支持
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.
去完冰島 咁快就出片 利害! 資料好有用 加油 香港人!
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
@@marineenge 多謝你的推介 好有用 加油 香港人!
@@SIMON91521UK 多謝支持
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.
職業你係Digital creator呀！🤭 追睇返你嘅舊作, Thanks!
掂呀。一直搵緊呢張卡。唔該晒🙏🙏
你試咗apply未？成功咗？
@@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
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....
Thanks! 用左referral link👍🏻
Great~ 👍🏻
@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
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
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！😅
Life in uk 永久有效
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？
請問在英國開的離岸户口 對 Credit Score有無影響?
個户口喺英國加登記地址係英國就有影響，否則就無
多謝你🙏🙏🙏👍👍👍
多謝支持
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?😅
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
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.
唔洗呀，用黎儲Avios point, 即係類似Asiamiles account咁
Thanks for sharing!
Thanks 😊
Tks for your sharing
Thanks for your support😊
請問申請AE BA條link ? Tks !
amex.co.uk/refer/wAIMIH1ah2?XL=MIANS
請問 如果有香港個張ae explorer ,可唔可以轉做呢張 英國ae ba？
可以呀，你打去UK AE佢俾你轉架，有識人試過😊
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.,,,,,,,,,
英國按揭準時還款，個credit score會升得快嗎？
對！
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?
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
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！
請問香港credit score良 好，申請bno visa係未比較容易批？
無關係
唔知點解唔批我？🥲係咪唔可以用返冇做嗰份工嘅資料？
試下下次填self-employ, 最好3個月後
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.
May i have the apply link?
Hello, 可以用呢條link
amex.co.uk/refer/wINGYMIz4M?XL=MIMNS
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...
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
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
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
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
@@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！😭💳
@@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
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 …?
無，要有uk地址先會有
@@marineenge 請問hsbc uk，其實係離岸戶口嚟或係屬於英國本地戶口?
Nationality係寫united Kingdom定chinese? Reject zor我個申請
我填UK，老公無BNO填Chinese，我地兩個都approved同攞到卡。
@@marineenge 無工作，但有收入，請問你填咗幾多? 但算唔算請大話?
香港的AE咭年費貴, 沒豁免. 英國的AE咭也是一樣嗎?
呢張BA卡永久免年費
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
即係要有地址至開始有credit reference 啦。
Yes and also bank account or election registration
係迷只在英申請AE信用咭?
呢張係英國嘅信用卡，要在英國申請
@@marineenge many thanks
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.
why more bank account = less credit score?
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
So the best way is to open all the required bank accounts in the very beginning and then just tie with these accounts.
The score will drop once you opened a new account and take time to recover.
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.
@@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。
講AE card 個段聲音有破音，聽不清楚🧏♂️
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💪🏻
@@marineenge 資料好有用，謝謝你🙏🏻
@@marineenge 到達英國前可否申請？
@@28gogoshop 唔得，無英國地址同credit reference應該唔會批
@@marineenge what is credit reference?