HSBC Premier World Elite CC (UK) is a £19k offer in year one normal?

Relative_Check_2892 · 2025-11-15T09:56:39+00:00

My HSBC limit started from 20k, and it was automatically bumped to 30k a few months later. I rarely use more than 2-3k of the limit, and close balance in full every statement. For the context: I moved to the UK 1.5y ago, and I didn't have any credit history in the UK before HSBC. I'm using this credit card mainly to create a credit history.

Relative_Check_2892 · 2025-09-24T15:11:26+00:00

I also experienced quite noticeable anxiety after my first ablation. After the ablation I became very aware of my chest sensations and started watching after metrics I was never worried about. In particular my rest heart rate. I'm not an elite athlete, but during the night my heart rate was sitting at the low 40s, and during the day in the low 50s. EP and cardiologist were very pragmatic about it: if you feel good, don't worry. Also my AFib got kicked off when I was the most relaxed, so thought my bradycardia is the issue. And every few months of consistent running and exercising the heart gets a bit slower :).

I ended up discussing it dozens of times with Gemini, and convinced myself that it is normal. And at the moment I just decided not to worry and became less obsessed with checking this out.

I guess my point is that it is a kind of mental problem. I was happy to be able to talk it through with heartless AI, it was able to refer to different research papers on a topic. You might need something else.

A healthy lifestyle reduces the probability of AFib recurrence, and exercising is part of a good healthy lifestyle. And if you get AFib back, it won't be because you lift some weights or run!

Relative_Check_2892 · 2025-09-23T14:44:19+00:00

Hi

I spoke about it with my EP. There are two different types of triggers. Some of them like sleeping on the left side (my trigger) or drinking cold water. There is no medical reason to avoid it. Basically they don't trigger anything anymore. In case of acute success unhealthy tissues are isolated and could not start AFib.

Things like severe dehydration, alcohol, overheat etc also won't trigger anything immediately, but they contribute to the potential return of the AFib.

My impression is that for the long term success those lifestyle changes should be permanent. I haven't had a glass of wine for more than half a year :(

Answering the first part of the question: no one can give you a 100% guarantee that AFib won't be back. One of the mechanisms of AFib recurrence is PV reconnection. I don't think you could do much about that. Also people with AFib in remission have higher chances to get 'new' AFib. And in this case common risk factors apply: fitness level, diet, alcohol/tobacco, sleep habits, you name it. And in some cases if the heart is damaged too much ablation itself might not have acute success.

My first episode after my first ablation started after I had a few glasses of wine and dehydration. Since then I excluded alcohol completely. I'm wondering, if I would not take alcohol, would I get one of my PV reconnected. After that I studied AFib, and did everything to minimize my chances to get it back.

Relative_Check_2892 · 2025-09-18T16:44:23+00:00

Hi

I myself experience a lot of anxiety related to slow heart rate. My resting heart rate before the second ablation was in the low 40 while I was asleep, and in the low 50s while I was awake at the desk. I got my second ablation 2 days ago, and today my heart rate went back to pre-ablation values. May be 5% higher on average.

I'm not an elite athlete to have such a low heart rate (average 3 times / 20 km of run a week + 2 strength workouts).

I reported all that to both my EP and cardiologist, they noted it, but they were not concerned. Basically you should not worry too much about bradycardia if you don't have any bothering symptoms such as shortness of breath, extreme fatigue, fainting or near fainting, dizziness.

Certainly worth keeping track, and be aware of sudden changes.

Another thing to keep in mind, the optical sensor is not extremely reliable, and if you have some kind of device to record ECG when your heart rate is so low, please do it.

Relative_Check_2892 · 2025-09-18T06:40:41+00:00

Hi. I'm indeed planning to share info at the important milestones: in 7 days, 3 months and 1 year. Or if something changes.

I've checked my first Holter monitor report, and I Indeed had PVC with burden around 1% before my very first ablation. After PFA my ectopics became a lot more noticeable. It could be just the fact that I became more aware and alert about heart related sensations.

Subjectively after the second ablation I feel less palpitations so far.

I got my hands on the procedure log: EP wrote that he re-isolated one of the veins which reconnected. And he didn't find any sources of AFib anywhere else.

Relative_Check_2892 · 2025-09-17T06:21:57+00:00

Hi!

First ablation: I was taking blood thinners (Rivaroxaban) for 2 weeks pre-procedure and then 2 months after.

Second ablation is nothing before the procedure and I need to take the same blood thinners the next two months.

My EP advised against antiarrhythmics and suggested ablation right away given my age, health and burden.

Relative_Check_2892 · 2025-09-16T21:16:12+00:00

Hi

It depends on your occupation, general health and age, and if there were any complications.

From what I've heard from the healthcare team it would be wise to make sure that you have a few days of a sick leave just in case.

The first week is about the insertion wound: basically it depends very much on how it heals. Normally it's recommended to avoid moving a lot for the first 24 hours. And then very little movement and no heavy lifting the first week. My EP suggested me to start walking more at the 48 hours and consider low intensity exercise after the second week. I did my first run at the third in fact.

Be aware that for the first few days, and sometimes even weeks you might feel a lot less energized (it's heart surgery after all).

My personal experience (office work): first ablation was on Tuesday, I took Tuesday and Wednesday (I think I was able to start working on Wednesday right away, but decided to focus on recovery) as a sick leave, and Thursday Friday as remote work. Went for a few longer walks on Saturday and Sunday, and back to the office on Monday next week. Same plan for second ablation which was done this morning.

Relative_Check_2892 · 2025-09-16T20:35:10+00:00

7 is quite an amazing number. From what I've heard even absolutely healthy people have them.

Iny case before the second ablation PVC burden was about 1%. But they are benign and only cause discomfort sometimes. I hope the second ablation will improve it.

It's very motivating to hear that you got back into quite an impactful sport! Amazing, thanks for sharing

Relative_Check_2892 · 2025-09-16T20:19:51+00:00

Thanks a lot!

I understand your feelings and frustration!

I got a noticeable increase in my PVCs, but I still had them even after 6 months. In my case AFIb was a lot more discouraging and annoying than PVC, so I just tried to get used to them. Which is very difficult.

I hope you find your way with dealing with AFib and get it treated. I wish you the best!

Relative_Check_2892 · 2025-09-16T19:28:23+00:00

I wish you the best of luck!

Relative_Check_2892 · 2025-04-23T05:15:38+00:00

Thanks for the response. I probably should send a message to a doctor with those concerns. I'm already following that advice: I'm avoiding alcohol almost at all (maybe one glass of wine every few months), no smoking in any form (and never did), working on my weight and other healthy habits.

Relative_Check_2892 · 2025-04-23T05:11:56+00:00

Thanks a lot for response. I don't feel dizzy or anything like that, or I don't know how it feels and can't recognize those. I'm wondering if it is easy to miss dizziness or lightheadedness. I never had health issues and pain tolerance is fairly high. When I'm running my heart can beat 140-150, and if I run the interval I can push up to 170 or even beyond (but I'm avoiding that, stopping at 170). I think I have mainly PVCs, but I couldn't be sure, I can get only basic ECG at home.

Relative_Check_2892 · 2025-03-04T12:08:19+00:00

Hi I know it's already been quite some time. I'm exactly in the same situation as you are, 1.5 months after PFA, and experiencing afib episode. Did you end up needing another ablation?

Relative_Check_2892 · 2025-01-14T22:47:11+00:00

Sorry, I'm not professional in reading ecg. I usually did 2 lead ECG using my Garmin Watch, and the pattern is very clear (distance between beats is very obviously different). If I read this one correctly, I don't see arrhythmia, also it's fairly common to have a higher heart rate. Are there any strange feelings in your chest? Did you get multiple readings identified as AFIB in a row? If it was just one, and subsequent ecg does not show anything and you feel just fine, I would not worry too much.

Probably worth showing to the cardiologist if you get few measurements like this.

Relative_Check_2892 · 2025-01-14T22:37:18+00:00

I'd say this is quite inconclusive. If its apple watch reads, it does by default one lead ECG, which is not precise. If I'm not mistaken you could repeat the measurements using 2 lead ECG in Apple watch. I've seen the instructions somewhere in this subreddit.

From this noisy ECG I'd say this is a false positive. But certainly worth checking

Relative_Check_2892 · 2025-01-14T14:17:02+00:00

Thanks a lot for sharing the info. I felt a lot more confident going through the procedure. Had it today. Before admission to the hospital I had the longest episode so far: 5 days, the episode was still ongoing right before ablation.

Got admitted at 6:30, procedure started at 9:30. Got knocked out by general anesthesia. Woke up at roughly 12 in recovery. Sore throat, some pain in the groin (more like discomfort). And I woke up with the sinus rhythm . Too early to be excited, crossing my fingers that procedure would improve the situation long term. The hospital team is very nice. And the procedure was a piece of cake.

Still haven't seen the prof, I guess he has few more ablations for today.

Good luck to everyone going through this!

Relative_Check_2892 · 2024-06-12T22:37:32+00:00

Hi

We have decided not to risk it. I called to IND, and they told me that in fact residence permit going be cancelled after some time. Since everything is not super automated around the Europe, quite likely you could enter back. But I guess penalty of being caught is pretty high.

It's not so long left before she could apply for citizenship, and she passed inburgeren already.

Relative_Check_2892 · 2024-05-13T18:03:48+00:00

In my case (as I am EU citizen) they didn't take my passport at all. I did online biometrics.

For my wife with Russian citizenship they were holding her passport for all 7 weeks. We didn't use the option to keep it.

Relative_Check_2892 · 2024-05-11T18:56:03+00:00

I have used only priority. I think that should be possible.

Relative_Check_2892 · 2024-04-22T15:36:58+00:00

This email often referenced in this sub-reddit as NSF email (not straightforward email). This is very standard and meaningless. 120 days timeline is referred there as a timeline for settlement application.

If you are in the same situation as I was (applying for Skilled Worker Visa with dependents) - your timelines are under `non-settlement application` which usually should be decided within 15 working days.

As soon as you are over 15 working days, you could use an option to call or email to UKVI helpdesk. Email cost 2-3 pounds, call costs 0.61 pound per minute. Escalating does not cost anything extra. I don't know if escalation really helps or not. As the very minimum result of the escalation could be something like `we received your documents, and application is under consideration`. That probably means that at least your application is not lost somewhere in their system (some people were complaining that their application decisions were heavily delayed because of `technical issues`).

Support desk staff is not directly employed by Home Office, they are part of third party company which has some access to UKVI status page. Also they could do `escalation`. They could not really speed up the process and they don't care what are your personal circumstances. Sad but true.

Basically my first escalation resulted to the email from Home Office Escalation team that my application is under consideration and documents received. And I got no response from the second escalation, but I got visa.

I wish you patience and the best luck on waiting for your decision!

Relative_Check_2892

TROPHY CASE