What talk down did you receive? If you had paid attention, you'd have seen that @Charlse-Tim gave you a solution before calling you out on your mistake. The way it looked, you were more pissed that your constant loan seeking was labeled as scam and nothing else. No one is above making mistakes but when you open another account (if you do) try to avoid taking loans as a newbie. It's doesn't put you in a good light.