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Should I get a Visa?

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Please no rude/sassy comments. I'm 18 and I plan on visiting the UK for 6 months. I found an apartment near London that I can afford. You're probably thinking why am I not going to a hotel. For me an apartment is cheaper and will raise my credit (since I have none lol). I do have more than enough to support myself without public funds. I don't have a boyfriend or friends/family in UK. All my family is in NY. I plan on buying a round trip ticket to prove I am actually leaving in no more than 6 months. I read on the UK boarder site that since I am a U.S. citizen I don't need a visa unless I am a criminal, which I'm not. My only intention is to tour the country. Not going to school or getting a job. My problem is, is that I am worried that touring for 6 months won't be good enough and they will send me back home. I'm thinking of getting a visa but am still worried that they will reject me for the same reason. Even though I have reason to return home. I need some advise, please no mean comments.

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