Quote from: the_reprobate on April 19, 2015, 08:24:27 AM

Quote from: Grand_Voyageur on April 19, 2015, 08:20:53 AM

Quote from: bitcoinsguru on April 19, 2015, 07:58:23 AM

IMHO, You both should consider providing some valid collateral...since you're still new users. IMO, your request looks suspicious so I would't lend you any BTC without a valid collateral.

===>>> https://bitcointalk.org/index.php?topic=246874.0
===>>> https://bitcointalk.org/index.php?topic=577765.0

I've been a member since 2013. That's new? ...my account is older than yours. It shouldn't be held against me that I have more than one interest or hobby and that I don't spend all my time on bct.
The title of the thread says, "No Collateral, No Interest". I thought that's what it was.

Yes, you're still a new user (see below). While the account was registered on July 30, 2013, 01:19:19 AM you contributed very little here, also no post were made between October 01, 2013, 10:12:57 PM and September 23, 2014, 06:13:27 AM. If you add a post history mostly in gambling & giveaways threads + a sob story as reason for the loan (Using BTC to get a pizza gift card from gyft.com so my family can have dinner this evening.) this could trigger enough alarm bells to make me (and probably other users as well) wary of lending you even a single satoshi, without a proper valid collateral as a warranty.

Quote from: DiamondCardz on June 30, 2013, 02:49:38 PM

=snip=
Do not loan to new users unless you can get collateral OR if they are very trusted due to high-risk services they provide (examples: gambling sites, currency exchange sites), because the chances of them defaulting/scamming are 90%+.

What defines a "new" user?

Anyone who is a Jr. Member
Anyone who has registered <1 month ago
Anyone with less than 100 posts
Anyone whose posts mainly consist of spam and/or meaningless posts such as "+1" and "nice post"
Anyone who refuses to provide collateral or ID for large loans (a general guideline is >0.1 BTC) or states that they can not give it may not be new, but is untrustworthy.
Anyone who you think is a scammer, because in the Lending sub-forum, 90% of the time, you're probably right.

=snip=