BGC Requirements and Procedure

Because we've had some problems in the past with lending BGC, we've decided to be a little more strict with the requirements this time. However, we also think they're fair, as we will explain below. The club belongs to everyone who helped us buy it, so we want to keep it as safe as possible. Without further ado, the requirements for borrowing the club will be:

  1. 20 Mil collateral
    As always, Easy to Sell items may be used as collateral, provided they fit into the 10 item + 2,000,000 NP limit of the Trading Post. When sending in your request, 20 mil is considered "full collateral" for this item. If you can offer above 20 million, either in items or in pure through the Auction House (the limit is 50 million for a single-bid auction), get in touch with us and we can re-negotiate some of the other requirements.

  2. Minimum 5 year old Neopets account
    This is non-negotiable unless you're able to provide the FULL value of the Club as collateral (20 mil).

  3. Minimum 200 Avatars
    200 takes into account all of the easy avatars, plus a few that require a little more work to show your dedication.

  4. Must be a TDN Forum member and have made posts on the boards
    We use this . If you have a long history of breaking the rules in the forum, for example, it tells us that you might be risky to lend to. Spamming the forums for post count will not be tolerated. Like always, posts must contribute to the discussion at hand and following the forum rules. When sending in your request for a lend, please make sure to include your current forums display name (the one that appears to the left of all your posts) so we can quickly and easily verify post count. If we have to request this from you, it's going to slow down your lend.

  5. Minimum 10 trophies/medals on User Lookup
    These can be any mix of site event, site feature or game trophies and any level (bronze, silver, gold and everything in between). Because the Lutari Talisman and NC Mall Album are given by default, they will NOT count towards the trophy requirement.

While these requirements are a guideline for things that make us more comfortable lending to someone, they are not set in stone. For instance, being able to provide more than the minimum collat gives us a little wiggle room on some of the others. Having an account older than the minimum may mean you don't need as many forum posts. However, we still need to safeguard our investment. People with no forum posts will not be lent, and a borrower must be able to provide at least 10 million np in collat. There is some room for negotiations with the other requirements, so if you're not sure if you qualify, send in a request and we can evaluate. We will message you back, even if you don't qualify for the lend, so you'll know either way.

Recommendations

There are also a couple things we strongly suggest, but cannot verify, so we have to trust that borrowers will be as careful as they can.

  • All Grarrls or Skeiths on the account you will be getting the avatar on should be in the NeoLodge before you get the item. The Lodge keeps your pet full so you can't feed them, and Grarrls and Skeiths are capable of eating almost every item, even their own weapons. This ensures you cannot accidentally feed the club to a pet (which is how we lost our first).

  • Have your inventory as full as possible before acquiring the club. If it's the only item in your inventory and an item-stealing Random Event occurs, it will be the only item targeted. If there's more in your inventory, there's less of a chance the club will be stolen.

  • Limit your site activity when the item is in your possession. Don't keep the item in your inventory while you explore Neopia, play games, or chat on the boards. Once you get the item, get your avatar and send the item back. The less pages you visit while things are in your possession, the less likely something is to happen.

  • When you're ready to return the item, you need to consider other Neofriends you have that may try to bid on the item. The safest way to prevent something happening is to remove all friends from your account until after the auction is over, and then re-add them. You may also choose to inform active friends that you are returning a lend and ask them not to bid. If someone outbids the lender on the return auction, the borrower is responsible for getting the item back. If they are unable to, we keep the collateral for the lend and, needless to say, the borrower will no longer be eligible to participate in the Avatar Lending Program. Also, a bunch of people will probably be pretty mad at you for losing the item :P
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