I read the pm.
My own experience, and my gut feeling about this, is while it might be possible that if someone loaned you points and your parlay hit, they might get paid, it doesn't erase the fact that you have more than one stiff report listed, plus what happened with Thad on the black jack. I don't think their chance of repayment if the parlay does not hit is very good at all. I could be wrong, often am.

I realize Stash is the Sheriff, but you stiffed me. And thus, I believe I am helping out others in the points forum, those not as active as some of us that might be tempted to loan you points. They should at least be aware of this and factor it into the rate if they elect to go forward with a loan. I think they should pass.