That dosent mean that the luck would stirke again my friend. You need stick to the basics. I feel like you are telling, "Listen dude i dont know how deep is that water but there are more chances that you survive even if you dont know swimming my couple of friends survivied. you know?" thats what you are telling. Let me tell you the consequences. If you keep applying for credit card and keep getting turned down for every credit check atleas 5-10 points are taken away from your score. Assuming you have no credit you score should be somewhere around 500-600 or may be least in some cases. I would recomend new swimmers to join the club first and learn the swimming and then jump in the water. But hey you know you played your part dude.. all in all the person who posted this initially wanted to kmow about it good or bad..