As a Newbie you need to provide a collateral as an assurance that you will pay back what you owe to anyone who will lend you Bitcoins here. Feedback from another site is not a solid assurance. Better offer a collateral like alt coins that is worth 120% of the amount you are borrowing or close this thread.
EDIT: Posting your private message and making it public to make it easy for you to see my answer and others to chime in as well
!!! WARNING: This user is a newbie. If you are expecting a message from a more veteran member, then this is an imposter !!!
sorry
i have question
1.coupon use collateral yes or no( localbitcion coupon)
2.collateral must =100%or more than yes or no
3 newbie will change status ,how?
thank
1. I don't think coupons is a good idea to be used as a collateral as we will only know the real value of coupons when used and we don't use coupons everyday. A good collateral is something that can be easily sold if ever a borrower don't pay the borrowed amount.
2. Yes it should be more than the borrowed amount. If you Borrow 0.1
BTC, collateral should be valued 0.12
BTC or higher because that will give you enough reason to pay up as you don't want to lose something that is more valued that your loan. Check this link to know more about collateral
https://bitcointalk.org/index.php?topic=577765.msg6311902#msg63119023. Newbie status changes every other week, if i'm not mistaken the next rank up date is November 8 but it depends on your activity, if you have enough posts to rank up, but dont try to post 100 per day to increase faster because it will not help you but will put your account in danger for spamming.