This is definitely true . Going into it as my first MMO , I was expecting a lot of trash talk and players criticizing me for not being experienced , but everyone is UNUSUALLY friendly and eager to help . They ' re all just focusing on having a good time . I think the harshest comment I received was early on when a healer politely asked me to Flash more as a Gladiator lol . <| sep |> In order to get a loan with larger payments you need to have current history showing how you pay a larger set payment on a set day . Even if you were actively using your credit cards , you have 21 days to make the payment and you can pay the minimum payment or the entire balance . You also don ' t say how long you have been at your job and residence , that factors in also in a situation like yours