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Efosa S. Omorogbe (Ogbeide-Ihama)
πŸ‡³πŸ‡¬ UX Delivery Executive | Co-Founder of | Founding member of the | Member
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Efosa S. Omorogbe (Ogbeide-Ihama) retweeted
Ola Bayoji May 22
It’s been an eventful H1 of 2019. This is how I wanna celebrate progress and my birthday.. β€οΈπŸ™πŸΎπŸš€πŸ Would you honour me with your presence to share my story and work as well as get some feedback?
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Efosa S. Omorogbe (Ogbeide-Ihama) May 21
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Efosa S. Omorogbe (Ogbeide-Ihama) May 20
#0114756960
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Efosa S. Omorogbe (Ogbeide-Ihama) May 20
Another Monday! Here are the album's I have been throwing down my ears the past week:
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Efosa S. Omorogbe (Ogbeide-Ihama) retweeted
Tiffany May 17
This is quality content
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Efosa S. Omorogbe (Ogbeide-Ihama) retweeted
πŸ¦€α΄Κ€ΙͺɒᴀᴍΙͺπŸ¦€ May 15
Who else is in the "has scars but from really fucking dumb scenarios" club
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
Replying to @saniyusuf @stntz and 2 others
I'd be interested to hear your experience when/if it ever comes to needing a huge lend from banks/brokers. That will ideally answer your questions about 'credit cards'
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
It's really down to what you're trying to achieve with your credit. Want a house and a mortgage you need to prove that you have a good line with loans and credit card lending from the past. Just want to keep a perceivable good credit score then no credit cards necessary.
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
But it's not just for houses too, phone contracts, even opening a bank account *with overdraft. If you have no credit (or if it's poor) you don't get to have it. You're a liability I'm their eyes
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
Not if you want to have access to the greater things in life such as being a home owner, which most people don't have the privilege of building credit another way
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
The independent body the banks use may find something they don't like which they could use to decline you. It's very situational based
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
What you see when you check your score is just making you aware of 'what might hurt you' when you want to get a line of credit (and that's if you pay for credit services) Else it's all just a smoke screen
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
Exactly. Just like people can still drink and become alcoholic, it's not so simple to say it's the primary cause
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
People don't get in debt because of credit cards, they get in debt because of habits. But the proximity/accessibility of it doesn't help those with unregulated habits
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
All lines of credit operate in the same way. Credit cards are the most accessible to give you access to a 'line of credit'. You really miss out on a lot in this world of you don't have credit
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
That's how credit/borrowing money essentially works. You need a line of credit. The more boisterous that line of credits looks to lenders, the more enthusiastic they'd be in lending you money. Do you see how credit cards can help with that?
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
New search coming soon to NRE
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
Banks use their own creditors that's independent from the public snores we get. So even though you may have 999 Banks don't considere that
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Efosa S. Omorogbe (Ogbeide-Ihama) May 16
Think of this scenario: Bank sees person 1 has a borrowed max 200 from creditors and had paid back on time Bank sees person 2 has borrowed 3,000 and paid back on time. Who will you borrow more money to?
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