i dont have any collateral but i have an account on www.fingerhut.com with 600 usd credit line i can give you as collateral
Here is a crazy idea, why don't you borrow the $350 you need from that credit line?Because that credit is store credit, not a credit card you can use anywhere, though he could buy against it, sell whatever for cash and use that.
Yes but Op will never do this. It's "better" for him to ask a loan and, eventually, default.
And yes, the 99% of those loan requests are scam from the start.
No one gives a shit about you signature-spam-motivated opinion here.
Have you ever actually filled a loan?