Also, there is a previous negative trust from 2019 regarding loan requests.
Taking a quick look into the given user's post history, it is clear that he is just here for some free bucks since most of his posts are in games and rounds, and lending board. Also, he hasn't contributed much to the forum to gain enough merits, which is why he still got only 10merits with such an old account. All these facts lead to only one thought, he is here just to "earn and run".