Got scammed. Can I win this chargeback on Paypal?

Lol. Financial education is like sex ed. You are supposed to learn it from your parents.

{rofl ...} Every financial ad you see should define APR. Goofle will tell you what APR is, and how to compute it. Annual = yearly, fees = a charge you pay.

{ duh } Set up a relationship with a local bank, or better yet, a credit union. If your job offers direct deposit, set that up. You have gotten a few black marks by trying for credit cards and missing, but hopefully after a few months of deposits, the CU will allow you to get a secured cc (and hopefully without annual fees).

I recommend pledging $1,000 {into a CD} so that you have a useful cc. Then use it wisely for a couple years, and you should qualify for unsecured cc's. Then yes, you can pay off the secured cc, close it, and get your deposit back.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.