Winter Month: 3 
Night 
Clear Moon: 
| Chatbox |
| Night Shade |
| Lunar I do not have the option for a cosigner and the last time I had care credit the account was closed to do financial instability. I don't think I will be able to use them any time soon. Brave I will have to check out Scratch Pay. Hopefully they don't reject me D: |
| LunarEclipse |
| It depends. My score is... not great... due to a medical bill that was sent to collections when I was 18. I'll be using a cosigner. Unsure if you have that option, but that would be your best bet! |
| BraveHeart |
| Night: I used scratch pay, it’s easy to pay back and super quick to apply for. I almost lost my cat back in May and signed up with scratch pay within 2 minutes for $3K. Care credit feels scammy and I didn’t understand how their service worked when I spent $1.6K |
| Night Shade |
| Am i allowed to ask for financial advice? I have an appointment for a couple kittens coming up that I can't afford and need suggestions |
| BraveHeart |
| -WP Click- I can’t wait for tomorrow @-@ thankfully 4 game hours away lol |
| Snow Song |
| I want to load up on talents so I can get my pups out of the 200T rut What would that take? |
| Enigma |
| @Khaos Once upon a time I would have relished becoming a mod but as an adult I see it as free labor 😂 |
| Quests |
| Alliance Battles |
| Challenges |
 | Polar Bear : -5 |
| Red Fox : -1 |
| Snapping Turtle : -2 |
| Chatbox |
| Night Shade |
| Lunar I do not have the option for a cosigner and the last time I had care credit the account was closed to do financial instability. I don't think I will be able to use them any time soon. Brave I will have to check out Scratch Pay. Hopefully they don't reject me D: |
| LunarEclipse |
| It depends. My score is... not great... due to a medical bill that was sent to collections when I was 18. I'll be using a cosigner. Unsure if you have that option, but that would be your best bet! |
| BraveHeart |
| Night: I used scratch pay, it’s easy to pay back and super quick to apply for. I almost lost my cat back in May and signed up with scratch pay within 2 minutes for $3K. Care credit feels scammy and I didn’t understand how their service worked when I spent $1.6K |
| Night Shade |
| Am i allowed to ask for financial advice? I have an appointment for a couple kittens coming up that I can't afford and need suggestions |
| BraveHeart |
| -WP Click- I can’t wait for tomorrow @-@ thankfully 4 game hours away lol |
| Snow Song |
| I want to load up on talents so I can get my pups out of the 200T rut What would that take? |
| Enigma |
| @Khaos Once upon a time I would have relished becoming a mod but as an adult I see it as free labor 😂 |
