If you guys don't have a CC and looking to get out of a rut then this will work for you. BUT! This is to help you out and they're looking to get paid too. PAY IT OFF FAST! And remember... GET WHAT YOU CAN AFFORD TO PAY BACK. SHARKS! Do the same thing too. It worked for me because i knew WTF I was doing. People just want free money. Sad but this work does not GAF about us. remember that