Hey bro.

Maybe you should adjust your terms a little bit.
Otherwise these 1 hour newbie accounts keep applying. We both know they will not pay back anyway and just run.

Just make it a minimum activity amount x and a minimum merit amount to be eligible to apply. Those amounts don't have to be super high, you yourself wanted to give some people a chance, and I think that's nice.
But having to decline 9/10 requests by some jokers that just want a handout and run is a waste of your time.

I would also add that in case people reply that don't meet these requirements you won't reply and ignore it. That safes you some time and maybe stops the spamming in this thread as well. Unfortunately many of these people don't even read the rules, bt maybe some will.

Good luck!