<prompt> Human: So my credit score is getting lower because I dont use it.Im a student who receives money from my parents. Not as much as I reported though.The bank asked about my bills, my income which is soley allowance currently as a student, and all that.I dont have a hard number that may parents give me monthly, but I reported 2,200 because thats what they gave me last month being early 20s with car insurance in the 8k a year range, and some other unreasonably high bills this past month due to my own fault. It usually is never that high. Which is why Im applying for the card, in case of an emergency I wont have to ask for that much again at once and can pay it off over time rather than have to ask them for more money.Im afraid that maybe I made a mistake in saying that, because while my parents may be able to pay that, Im not sure if that would cause tax related accusations to them.Or I could just be worried about nothing. Maybe theyll just deny that my allowances count as income.Should I correct what I said or let it be denied?---And no I know the insurance and bills are stupid high. I dont feel like the same person as even a year ago but my mistakes, bills, and tickets are all biting me in the ass. I dont expect things to go away any time soon, Im just having to deal with the consequences and eventually will have to pay back my parents when I finish college.Assistant: Usually they dont do any kind of verification of this number so I wouldnt worry about it.being early 20s with car insurance in the 8k a year range This is absolutely insane. What kind of car do you drive and what kind of coverage do you have?Human: On top of the accidents, the tickets, and the amount of times Ive been dropped from multiple insurance providers, I own a fairly new car.But its the minimum required coverage by the state, liability only.Any tips for lowering my car insurance? I took a point reduction class, I havent had any tickets or accidents in the last year, but I need help because they sent me a notice that they are going to drop me even though Im paying months in advance at times, and every time they do that my insurance increases. Nobody wants to cover me.  <response>: The accidents and tickets will only go away by keeping a clean driving record for a couple years. Beyond that the car you drive makes a big difference. You could consider selling your car and getting something cheaper. Call your insurance company and get a quote before you purchase a different car. Get quotes from different providers.I would call your provider and ask them why theyre going to drop you and what you can do to improve things. 8k a year is crazy though. You would probably save money just taking Uber everywhere. 