[fmybody]

I'm not gonna charge if I don't have the money... The only problem I have is I did apply over the summer last year to BOA and first I was preapproved then I got denied -_- yeahh I know.. But anyways its prob cause back in like may 08 I got into a car accident and long story short I had a bill that my insurance was supposed to pay annd it ended up going to collections... I had to pay it thru collections back in april 09 (yeah awhile after). But I'm sure if anything that's what kept me from getting it... And now I'm worried it will prevent me again.. But I think the best thing to do is make a few payements on my subsidized loan..even tho I don't have to.. Then wait til I'm 21 and try to apply again.. Worse comes to worse ill have to try that secured credit card that takes a year to turn into a real credit card...