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assetalliance · 1 year ago

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Loan For Credit Cards

Credit Cards Facility

The majority of banks in Dubai give the best credit card deals, luring the average person and encouraging them to take full advantage of the facility in order to elevate their standard of living. In the modern world, credit cards are one of the most widely utilized banking instruments, being used by people from all social classes. Dubai residents benefit from credit cards in the following ways:

You don't need to bring a lot of cash with you when you go shopping. Without having to worry about carrying around an amount of risky cash, you can make any purchase of your choosing. The only restriction on how much you can spend with your credit card is the credit limit that has been set.

Your ability to pay your credit card debt over a period of time is advantageous and allows you some breathing room. You can make any offline or online transaction with a credit card without having any money in your bank account. When paying your bill, you merely need to have money in your account.

Your bank, which offers the credit card, reimburses you for the purchases you make using it, giving you access to a short-term, perhaps 50 days or so, interest-free loan.

These credit cards frequently include a variety of benefits, so the more you use your card, the greater the rewards you receive.

You cannot deny that the credit option is useful in crises, even if you don't like to utilize it.

In the event of unfavorable circumstances, credit shield insurance partially covers both your personal expenses and your unpaid credit card balances.

In Dubai, credit card offers are quite alluring and entice many potential customers to sign up for cards. The majority of banks provide exclusive offers, discounts, opportunities for cash back, and loyalty points. Discounts on food, entertainment, and movie tickets are just a few of the benefits and privileges available.

Key Advantages

You can get a variety of services and advantages with a credit card. Enjoy the convenience and independence that a credit card offers. Your credit card offers you the extra benefits, and it is issued by a respected financial institution and accepted in all countries.

Promotions

Discover the most recent promos and deals available to cardholders. Also, analyze the advantages of using your credit card. Learn about our security features, payment options, and other card benefits.

Rewards & Lifestyle

A selection of cards is created for you and your way of life. Receive immediate compensation for your financial investment.

Mobile Payments

When you use the Pay App to pay with your credit card, you can check out quickly. It is a quick and easy method to pay in millions of locations - on the web, in applications, and in stores.

Cashback Cards

On all of your credit card purchases, you will receive guaranteed cash back.

Advantages of using our services

All of your personal financial issues can be resolved quickly and easily.

We assist you in comparing the interest rates on personal loans in Dubai provided by the various banks so that you can select the most beneficial deal.

We give you the most recent information regarding the requirements for qualifying and the steps involved in the lending process.

Effortless application process

Quick turnaround for bank processing and approval

Eligibility requirements for credit cards

Eligibility requirements for credit cardsAlthough different banks and credit card businesses provide various types of credit cards, the fundamental rule is that your credit limit is fixed based on your salary. According to the most recent Dubai Central Bank circular, only those with a minimum yearly salary of AED 60,000 are qualified for a credit card. To apply for one, you also require the following paperwork:

National Identification

Most recent account statement from your bank

Salary certificate

The most recent utility bill

In certain circumstances, the bank could request more paperwork. The bank will quickly accept your credit card if it is determined that you have a steady source of income and no unpaid balances from prior loans. Your credit card's interest rate may change based on the issuer. Some banks offer credit cards with no annual cost for the first year, and if the minimum annual card usage is not met after that, a minimum annual fee is charged. Some other companies only provide this option for premium cards. The annual charge typically varies based on the banks. It is always advisable to compare credit cards in Dubai and select the one that best meets your needs.

How to properly utilize your credit card

Know the amount you can spend with your card, and stick to it.

Online credit card transaction tracking

When you receive your monthly credit card statement, check the individual transactions by keeping your receipts. Any irregularities you find should be reported to the company. Check your current credit card statement every week, every two weeks, or soon after you make a sizable transaction if your credit card is linked to your online banking account.

You can save a sizable sum of money by paying off your credit card balance in full on the due date rather than paying the bank excessive interest rates.

Your credit card's late payments and non-payments would notably hurt your credibility.

When you start paying excessive rates of interest (20 to 45%) on the total bill amount, you will fall into a financial trap and should never choose the "minimum payment due" option unless absolutely essential.

Utilize the bank's SMS and email alerts to stay informed about your card transactions. Once you sign up for them, you even get SMS or email reminders for due dates.

When someone calls or emails you requesting your credit card number, be on the lookout and wary. Since the banks that provide your credit cards won't ask you for this information, you shouldn't trust anyone with it.

When you stick to these guidelines strictly, you will be able to get the rewards of using credit.

Credit Cards in Dubai

In Dubai, a credit card comes in quite handy, especially if you want to buy until you drop but don't have any cash on hand. The biggest benefit of using a credit card is the reasonable amount of time you have before making a payment. In addition, if you do not pay your credit card account on time, you will be penalized with interest that may be as high as 36% on the whole amount of credit. The advantages of owning a credit card in Dubai are, however, unquestionably greater once you understand how to manage your regular bill payments.In Dubai, the following fees are applicable to all credit card types:

Joining charge

Fee for cash withdrawal

Overage charge

Charge for late payment

What We Offer

Going up and past to meet every single prerequisite of our clients is our unmistakable attribute. Strolling an additional mile, we consolidate strengthening highlights to our current services adding to the comfort of your exchange.

Simple financing choices

Making credit/debit cards and bank moves as choices of accommodation to subsidize your record.

Safe and encoded transactions

Guaranteeing a security-tight exchanging stage for your protected exchange insight.

24/7 Client service Work area

A committed group of client support chiefs is on their toes for your assistance. Ask whenever and get a quick reaction.

Speedy and inconvenience-free withdrawal

Offering total liquidity for making withdrawal adaptable for all.

Account opening charges? It's Zero!

Empowering you to begin effective money management at zero expense. Make a free account with us today

Low spreads and cutthroat edge

Giving the most extreme open door, guaranteeing more prominent advantages.

+971-555394457

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sugoroo · 2 months ago

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TRADING CARDS!

ʚɞ summary: toji’s in need of some cash, and you’re in need of having your cherry popped! he’ll take your v card if you lend him your credit card. simple, right?

warnings: fem!reader, penetration (p in v), breast play, tummy bulge, squirting, loss of virginity (reader), fingering, oral (f receiving), age gap (reader just finished college), tojis a bit of a perv, 18+ minors dni.

wc: 7.2k

"hey, doll?" toji grunts as he pokes his head into your room, his hands shoved deep in his pockets as he shoots you a slightly apologetic grin. "i'm gonna need ya to cover my half of the rent again this month."

you look up from your phone, your lips pulling down into a small frown at his words. this isn't the first time this has happened, and it certainly won't be the last, either. "seriously, toji?"

toji simply gives you a noncommittal shrug in response, turning the pockets of his sweatpants inside out as if to further prove his point — there wasn't a single cent in sight. "i ain't got nothin', sweets. hardly been able to buy food these last few days."

you roll your eyes, letting out a soft huff at his not-so-subtle attempt to make you feel bad for him (which almost always worked, and he knew it.) "fine. but you better come through next month. i can't keep covering you."

he lets out a sigh of relief, reaching out to ruffle your hair with one his large hands. "yeah yeah, i'll pay up next time. promise." he was lying through his teeth, and you both knew it. but you chose not to comment on it — maybe a small part of you wanted to keep toji as your roommate, even if you had to pay his rent half the time.

toji heads back out into the living room to lazily slump across the couch, leaving you to your own thoughts.

it was really starting to grate on your nerves how much you had to support him. he's a fully grown man, and you're a young girl fresh out of college. and yet, somehow, you ended up being the one paying his bills with the leftover money from your summer job.

and maybe it wouldn't bother you so much, if you weren't so constantly pent up.

college was supposed to be your time to shine, where you'd attend countless parties and have meaningless hookups with guys in bathrooms, just like all the movies you watched when you were younger.

but it wasn't really like that. and as much as you loathe to admit it, you're still a virgin. with only your own feeble fingers to keep you company, you can probably count on one hand the amount of orgasms you've had in your life.

and that's when you have an idea.

it's just like trading cards — toji takes your v card, and in return, you lend him your credit card.

it's shameless, and you might've felt embarrassed with yourself for even coming up with it if you weren't in dire need of releasing some tension.

and if toji's as desperate for money as he makes out like he is, maybe he wouldn't mind agreeing to your little proposition.

the only catch in your genius idea is that you actually have to ask toji about it.

you've been lingering outside his bedroom door for what feels like hours, trying to figure out how to actually phrase your proposal without making a complete fool of yourself.

but just as you timidly raise a fist to knock, the door swings open, and toji walks right into you, causing you to collide face first with his toned chest. you barely register the two strong hands that rest over your shoulders to steady you, your mind suddenly laser focused on the way your cheek is squished between his pecs.

"oops. sorry, doll," toji chuckles heartily, moving one of his hands from your shoulder to gently grasp your hair and pull your now noticeably flushed face away from his chest. "didn't see ya there."

"n-no, it's my fault." you manage to stammer out, taking a few deep breaths in an attempt to regain your composure. shit, you hadn't even asked him yet, and you were already a mess.

he raises a thick eyebrow at your skittish demeanour, his hand leaving your hair to teasingly poke at one of your adorably pink cheeks. "aww, what's this? you blushin'?"

you try and shoot him a glare, but it looks more like a pout than anything else as you meekly swat his hand away from your face. "shut up, toji. you're the one who walked right into me."

he lets out a deep, amused chortle at this, crossing his arms over his chest and staring down at you with a lazy smirk. "right. and you're the one who was lingering outside my door like a creeper."

you let out an embarrassed huff at his rebuttal, knowing there's no way to deny it now. you take another deep breath, idly wringing your hands as you crane your neck to look up at him. "yeah. about that. i, um, i wanted to ask you something."

toji cocks his head to the side, his expression turning mildly curious. "oh? what could you possibly want to ask this old man, hm?" he grunts, your little nervous fidgets not going unnoticed by him.

"w-well, i, um..." you begin, your features twisting up into a grimace as you struggle to get the words out. damn it, you were already cursing your past self for thinking this was a good idea. "i have a proposition for you."

this seems to pique the dark-haired man's interest, and he straightens his back slightly, reaching up with a large hand to scratch his chin. "what kind of proposition are we talkin', sweets?"

you swallow thickly at the way he puts such emphasis on the word proposition, as if he already knows exactly what you're thinking. but of course he doesn't — how could he?

"the kind of proposition where i lend you my credit card to help with your little... money problem," you begin, fighting to keep your voice as steady as possible. "and in return, you..."

toji's eyebrows raise even higher at your words, and he lets out a grunt of irritation when you trail off at the end of your sentence. "in return i what? use your words, doll."

"and in return, you..." you repeat quietly, your voice becoming consistently quieter until the last few words come out as a mere whisper. "help me lose my virginity."

the silence that follows your words is absolutely deafening, the only noise being the faint sounds of cars passing by the road outside the apartment.

you immediately start thinking of ways to salvage the situation, maybe just laugh it off and say it was a prank or something. it's a flimsy excuse, but it's better than this painful silence.

just as you open your mouth in an attempt to backtrack, toji grasps your chin in one large hand, effectively shutting you up with the movement. "you're a damn virgin?" he rasps out, turning your flushed face from side to side as if examining it would help him find the answer.

"u-uh, yeah," you mutter sheepishly, shrinking in on yourself slightly under the sudden intensity of his gaze. "why do you sound so surprised?"

toji barks out an almost incredulous laugh, as if you were utterly ridiculous for even asking such a thing. "seriously?" he huffs, shaking his head. "you're a fine little thing. figured ya would've had guys linin' up around the block for ya at college."

your eyes widen almost comically at his words, your mouth opening and closing a few times as you try to form a coherent response. you never expected your considerably older, rough around the edges roommate to actually find you attractive. "i-is that a yes, then?"

he scoffs loudly at this, repeating your words back to you in a mocking tone. "how the hell do ya expect me to say no to that?" he mutters, the pad of his thumb skimming across your jaw. "i've done worse deals for a whole lot less."

you let out a long sigh of relief, some of the tension leaving your shoulders at his agreement. the hardest part was out the way — you'd managed to get him on board.

"hey." toji grunts, his hand on your chin squeezing hard enough to get your attention as he angles it higher, tearing you from your thoughts. "look at me when we're talkin', girl."

your eyes widen even further at his sudden commanding tone, your thighs instinctively pressing together slightly beneath your skirt. the reaction doesn't go unnoticed by toji, but he doesn't comment on it, simply filing the information away for later.

"ya sure this is what y'want, sweets?" toji asks, his voice barely above a low mutter as he leans his head down closer to your level, his hot breaths just barely puffing across your face as he seemingly searches for any signs of hesitance. "once it's done there ain't no goin' back."

"i... i know." you gulp, vaguely aware of the way his dark eyes follow the gentle bobbing of your throat. "i wouldn't have asked if i didn't want this."

he hums, appearing satisfied with your answer. his thumb moves from your jaw to the plump skin of your lower lip, pulling it down slightly before letting it snap back into place. "how long do i get ya credit card for?"

"how long?" you repeat, blinking a few times. you hadn't even thought about that. and it was becoming quite hard to focus with the way he was toying with your lip. "um... twenty four hours."

toji grunts in acknowledgement, but his lips start to spread into a mischievous grin, and you can tell he's not going to make this easy for you. "nah. forty eight."

you let out an indignant huff, your eyes narrowing at the audacity of this man. two whole days? he was probably planning on bankrupting you at this rate. "thirty six." you counter.

he lets out a hearty laugh, his chest visibly rumbling with amusement at your haggling. his thumb traces over your lip again, causing you to let out a shuddering breath. "mm. ya got y'erself a deal there, dollface."

"good." you mutter, reaching out a hand towards him in a gesture of sealing the deal. toji takes it, his large hand entirely enveloping yours as he gives it a brisk shake.

before you can even think of saying anything else, toji uses his grip on your hand to tug you closer to his chest, your face almost colliding with his torso again.

"i'm assumin' you've atleast kissed before?" toji muses, this thumb still tracing the contour of your lips as if that would answer his question.

you let out a small, embarrassed laugh, rubbing the back of your neck as you find yourself avoiding his gaze again. "yeah, i have."

toji tuts, yanking your chin back up again, more forcibly this time. "jesus, girl. what did i say about keeping your eyes on me?" he grumbles. "and whatcha laughin' for? i say somethin' funny?"

"sorry." you huff, your lips pushing out into an involuntary pout. "i'm not laughing because of you. it was just a really... bad kiss."

he hums in response, tilting his head to the side as his grin morphs into a small smirk. "damn. a virgin and you've never even had a good kiss. i got my work cut out for me here."

you try and shoot him another glare, a huff of exasperation leaving your lips. "no need to rub it in, toji. i'm paying you for this, remember?"

toji barks out an amused chuckle, shaking his head at your little attempts to try and look stern. cute. "yeah yeah, i know ya are. and don't worry, ya won't regret it."

you're about to open your mouth to retort, but before a single syllable can leave your mouth, toji's lips are on yours. they're rough and slightly chapped as they brush over your own, just the texture you would've expected them to be if you had to guess.

it's not a rough kiss, but it's not exactly gentle either. it's somewhere in the middle, somewhere that makes you think even the way toji kisses is just so... toji.

he pulls away after a few moments, letting out a soft huff of laughter at your dazed expression. "you still in there, sweets?" he hums, flicking his thumb against your forehead.

you can feel the way your cheeks flush darker at his taunting words, silently cursing yourself for getting so worked up over a simple kiss. damn it, it was so obvious just how touch starved you were. how were you going to make it through this?

"i'm still here." you grumble under your breath, causing toji to chuckle even harder. "and if you're just gonna keep laughing at me, maybe i'll go ask someone else to help me."

toji's chuckle turns into a bark of laughter, and his lips curve up into a smug grin as he flicks your forehead again. "no can do. we already shook on it. handshake's sacred, dollface. dontcha know?"

"ugh. you just made that—" you attempt to argue, but he shuts you up by pressing his lips back onto yours again, slightly rougher this time. you let out a sound of surprise against his mouth when his scar brushes against your skin, but slowly, you start to reciprocate the gesture.

he lets out a satisfied hum, starting to take a few steps backwards through the doorway of his room, his lips still moving against yours all the way.

you angle your face up to unknowingly chase after his lips when he pulls away, and you have to swallow down the embarrassing sound that threatens to escape you when you realize what you're doing.

toji snorts, shutting the door behind the two of you with a stupidly self-satisfied smirk stretching across his lips. "that attached to me already, huh? we only just started."

"i'm not attached." you scoff meekly, though your actions severely contradict your words as you lean up on your tiptoes in the search of another kiss.

"mhm. whatever y'say, girl." he mutters amusedly, his hand snaking under your chin again to help you reach his mouth. he meets you halfway, his kisses growing slowly more insistent as his tongue flickers out to swipe over your lower lip.

a soft gasp escapes your lips at the feeling of the warm, wet muscle asking for entrance into your mouth, but you comply, parting your lips to allow the intrusion.

he lets out a satisfied grunt, his tongue darting every which way as it expertly explores the warm cavern of your mouth. you just stand there, completely stock still, for a long few seconds before your own tongue starts to meekly lick against his.

"yeah, there we go," toji mutters into your mouth, his thick tongue easily enveloping yours as he rolls them together. he's so effortless with it, like this is second nature for him — you suppose it probably is. you're not oblivious to the amount of hookups he brings back to the apartment when he thinks you're asleep.

toji pulls back from your mouth with a lewd pop! once he registers that you need some air, observing the way your chest rapidly rises and falls like you can't get enough oxygen with silent amusement.

he's going to have such fun pulling more of these pretty reactions from you.

while you're still desperately trying to catch your breath, he slides both of his rough, calloused palms under the fabric of your shirt, his hands leaving a tingling trail of heat across your skin.

"wait—" you begin to protest, but whatever you were going to say trails off once you feel his fingers brush against the underside of your breasts.

he lets out a grunt of surprise, raising his bushy eyebrows. "no bra, doll?" toji scoffs, shaking his head. "you were ready for this, weren't ya?

your cheeks flood with embarrassment for the nth time this evening, and you feel the sudden urge to just shove his hands away and go back to your room to get yourself off with your feeble fingers. but you don't.

toji lets out yet another snort of laughter at your reaction, rolling his eyes. "i ain't sayin' it's a bad thing, girl," he mumbles, moving his hands to cup each of your breasts in his wide palms. "makes things easier for me. i like it."

you let out a small huff of relief at his sort-of-creepy reassurance, unable to fight the way your body instinctively leans into his touch, pressing your chest into his hands slightly.

he hums, removing his hands only to push your shirt up to get a look at your bare breasts, the fabric bunching up around your collarbone as he leans in closer to inspect your assets.

"toji!" you gasp in complaint, trying to push down the instinct to cover yourself up from your roommate's intense gaze. but when your hands fly up to guard your chest, he instantly grabs your wrists, making you freeze.

"ah ah," he chides with a smug smirk, easily moving both of your wrists into one hand while the other reaches out to fondle your breasts. "no need to be shy. ya got a nice pair of juicy tits right here."

his compliment is so lewd, and even with the way you attempt to wriggle your wrists free from his grip, he effortlessly keeps them trapped with one strong hand.

toji squeezes and kneads the supple flesh of your breasts, laving both with equal attention as he feels up every inch of skin available to him. he can't believe his little roommate has been hiding these pretty tits from him all this time.

when he leans down to pop one into his mouth, you let out a strangled gasp which quickly morphs into an almost pornographic moan when he starts to gently suckle at your highly sensitive nipple.

"shit." you manage to push out, your breaths becoming increasingly more erratic as he starts to flick his rough tongue over your perked bud. you can feel rather than hear the raspy chuckle he lets out at your reaction.

"so damn sensitive," toji rumbles as he pulls back from your breast, which is now shiny and slick with his salvia, before moving to the other. "y'like that, huh?"

it takes you a few moments to form a coherent response, your mind suddenly feeling unable to focus on anything other than the way he's practically making out with your chest. "y-yeah."

toji's smirk widens in a grin at your stammered words, clearly finding enjoyment in the way your body is reacting to his every touch. "bet ya do. poor thing, graduated college and still never been properly touched."

you let out an indignant huff, annoyance momentarily taking over your pleasure. damn it, why did he always have to mock you at any given opportunity? you're starting to wish you never told him about your virginity.

he snorts again at your huff, removing his mouth from your breast with a long, stringy trail of salvia connecting his lips to your chest. "whatcha huffin' for, girl? thought ya wanted this."

you shoot him another one of your trying-to-be-stern-but-really-just-pouting glares. "i do want this. but i also want you to stop laughing at me the entire time."

he rolls his eyes dramatically, acting as if not laughing at your expense was the most difficult thing he'd been asked to do today. "i'm not laughin' at you, dollface. i'm laughin' at those stupid ass college boys who missed out on having you like this."

before you can even begin to process his words, toji crowds you backwards until the backs of your knees hit the edge of his bed, and you instinctively plop down onto the mattress, looking up at him with wide eyes.

he snickers at your shocked expression, moving forward to stand between your legs. from this position, he towers over you even more than usual, and you have to crane your neck practically all the way back to meet his eyes.

"why so surprised, hmm?" toji drawls, reaching out to tuck a strand of hair behind your ear in an uncharacteristically gentle touch. "y'think i didn't notice how pretty ya were the first damn day ya moved in?"

you open and close your mouth a few times before managing to pull yourself together enough to speak. "honestly? i kinda figured you didn't pay me much attention — considering how many hookups you bring around here."

he hums in response, moving his hand to grasp your chin and force you to maintain eye contact with him. "so you noticed that, huh?" he grunts, shrugging his shoulders slightly. "they're just distractions, really. i've wanted you for a while, but i assumed ya wouldn't be interested in and old man like me."

you can only raise an eyebrow incredulously at his words, as if he'd just said something ridiculous. "toji, you're so dramatic. you're not that old."

he barks out a loud laugh at this, slowly lowering himself to his knees between your legs. the audible sound of his muscles protesting the movement seems to disprove your words, making you wince. "no need to flatter me, sweets. i know 'm old." he mutters, his smirk still firmly in place.

you open your mouth to argue, but quickly forget whatever you were about to say when toji's large palms start to trail up your thighs, stopping just below the edge of your skirt.

"ya got no panties on too?" he asks teasingly, although you can hear the faint sense of actual curiosity in his tone. however, when his fingers graze against the edge of your lace panties, he huffs. "hmph. you disappoint me."

you roll your eyes at his words. you would've gone pantyless too, but unfortunately the prospect of finally losing your virginity made you so wet that you had to wear them to prevent yourself from dripping on the floor of the apartment.

"you've touched yourself before, i take it?" toji grunts as his hand moves to easily cup your clothed pussy in his palm, his smirk becoming a grin again when he feels how damp the material is.

you suck in a sharp breath, your eyes fluttering in pleasure at the feel of someone else's hand except your own touching your most sensitive area. "y-yeah, i have. but it's..."

toji seems to understand why you trailed off, letting out a hum of acknowledgement as his fingers start to rub little circles against your panties. "but your little fingers can't make you cum right, yeah?"

you can only manage a feeble nod, fighting the urge to start grinding yourself into his hand. he chuckles amusedly at your reaction, his fingers just dipping under the edge of your panties but not quite.

if you were one of his usual hookups, he'd probably be balls deep inside you by now. but you're not — you're his pretty little roommate he's had his eye on for a while, and on top of that, you're a virgin.

he's going to take his sweet time with you.

toji spends what feels like an eternity teasing you through your underwear until you're squirming restless on the edge of his bed before he finally, finally makes direct contact with your pussy.

"shit," he grunts as he swipes his finger through your sopping folds, the digit practically slipping across your slick skin. "you're so damn wet, baby. i've hardly even touched you yet."

you can't stop the pathetic whine that escapes your throat, your cheeks flushed a delightful shade of pink and your eyes half-lidded with need as you look down at him. "please, toji."

fucking hell. he actually has to restrain himself from just pouncing on you right there and then when you beg him so sweetly. instead, he lets out a raspy chuckle, his finger moving down to lazily circle your dripping entrance. "please what, girl? use your words."

"please..." you say again, your voice breathless as you wriggle your hips slightly underneath his hand. "touch me properly."

toji snorts at your phrasing, shaking his head. but before another retort can leave his lips, he's rendered speechless for a moment when he slides a finger into your entrance, your gummy walls instantly sucking him in.

"jesus," he mutters hoarsely, yanking your panties to the side with his other hand to get an unobstructed view of the way your little pussy flutters around his finger. "what a pretty fuckin' cunt."

you let out what can only be described as a mewl at his words, and the noise sounds foreign to your own ears. god, what is he doing to you?

he groans low in his throat at the sound you make, moving his finger around inside of you as gently as he can and brushing the thick digit against your spongy walls.

it should be illegal, really, how quickly toji manages to find your sweet spot. he's had a single finger inside your pussy for just under a minute, and the calloused pad of his digit is already grazing your sensitive g spot.

"ah!" you practically sob, your thighs instinctively clenching around his beefy arm. you've never felt such an intense spark of pleasure before — it's obvious you never managed to find that spot before when you attempted to get yourself off.

he grins smugly, brushing his finger over the spot again, almost touching it but not quite enough to properly stimulate you. "that's the spot, ain't it, dollface?" the question is rhetorical. you both know that's the spot.

but before you can start grinding yourself down onto his finger, he abruptly pulls it out, admiring the way the digit is now coated in your shiny slick.

you open your mouth to protest, or beg for more, or something, but all rational thoughts leave your mind when you see toji slip his finger into his mouth, sucking your juices from it with a low grunt.

"damn, that's good," he mutters gruffly, almost to himself, as he slides it out of his mouth with a lewd pop! — his eyes then fall back on your glistening pussy, his pupils dilated considerably more than before.

in a matter of moments, toji's slid your ruined panties down your legs, admiring the sticky mess soiled there before shamelessly shoving them in his pocket of his sweatpants.

"hey!—" you huff half-heartedly, but before you can even think of finishing the sentence, toji's chapped lips are placing a trail of hot, open-mouthed kisses up your thighs.

"mmph," you moan softly, not bothering to protest as he slides your thighs further apart with his palms, his lips nibbling against the supple skin of your inner thighs, undoubtably leaving small marks that will bloom tomorrow.

"wanna eat you," toji murmurs once he's face to face with your pussy, his hot breaths puffing across your sensitive skin and visibly making your little clit twitch impatiently. "can i eat you, dollface?"

you crease your eyebrows a little in confusion at his request. from what you'd heard from your college friends, guys hated performing oral for girls. but the way toji was staring hungrily at your cunt, his tongue swiping across his dry lips, made you think he would simply laugh at you again if you told him that.

"o-okay," you mutter sheepishly. and the second the agreement leaves your lips, toji's burying his entire face against your heat, groaning into your pussy as he rubs his sharp nose up and down your sopping folds.

when he first slides his rough tongue across your sensitive skin, you swear you go cross-eyed for a full moment before regaining control of yourself. it's like nothing you've ever felt before, wet and warm and so deliciously lewd.

"fuckin' sweeter than candy," toji grunts against your skin, the vibrations causing your body to instinctively attempt to wriggle away. but he's not having it, his beefy arms wrapping around your thighs to keep you in place. "ah ah, no runnin', baby."

while before you might've tried to argue a little in protest, your brain has already turned to mush from just his finger and his tongue, so you can only let out a few unintelligible murmurs.

"yeahhh," he snorts as he continues to sloppily lap at your folds, gathering as much of your syrupy slick on his tastebuds as possible. "don't hear none of that backtalk now."

god, he's so messy with it. you can hardly manage to keep your eyes open to gaze at him, but when you do, it only makes your pleasure heighten to new levels.

you've never seen your roommate so focused on anything before — not even those storage wars shows he likes to shout at on the tv. his eyes are half-lidded, his thick fingers are digging into your thighs so hard you can visibly see the marks forming, and his tongue is ruthless as it delves in and out of your dripping hole.

"t-toji, shit. feels so good," you manage to stammer out, your head thrown back and your hands traveling up to tangle in his messy dark hair without thinking, tugging on it gently.

your action draws a raspy chuckle from low in toji's throat, and his sloppy, shameless tongue seems to speed up even more in response. you vaguely register a glob of saliva landing on your pussy, but just as quick as it falls there, he's already licking it back up. "c'mon, girl, i know you can pull harder than that."

you attempt to tug his dishevelled strands harder, but your hands feel weak, and your thighs are starting to shake slightly around his head. you notice a familiar spring coiling in the depths of your stomach, but it feels more intense than any build-up to an orgasm you've given yourself before.

"t-think i'm close." you gasp out, your mouth hanging open as you try and keep your body from collapsing back against the mattress. he's quick to help, his hands sliding up the back of your skirt to support your back.

toji hums in satisfaction, a shit-eating (or, in this case, a pussy-eating) grin spreading across his lips as he continues to devour you, his tongue repeatedly massaging your g spot.

it feels like he's trying to eat you whole, and it's completely overwhelming in the best way possible.

"yeah?" he mutters against your cunt, wrapping his lips around your puffy, swollen clit and sucking the sensitive bud harshly. "go on then, baby. cum for me."

it feels like a part of you was instinctively waiting for his permission, because the second those words leave his mouth, your entire body starts convulsing in his strong arms, a strangled cry leaving your open mouth as you orgasm.

your earlier suspicion was right, because this is the hardest you've ever cum before in your entire life. (not that there's really much competition). your limbs feel all tingly and airy, and there aren't really many thoughts left in your mind except from toji, toji, toji.

"hmmph," toji grumbles, pulling back from your cunt after he's sure every bit of your sweet release is down his throat. he looks up at you, snickering gruffly at the utterly dumb look across your features.

you look completely fucked out already, and he hasn't even fucked you yet. that's what happens when you make a deal with a virgin, he assumes.

while you attempt to come down from your high, toji shifts slightly, his knees aching slightly from spending so long on the floor. but even worse than that, is the raging erection he has straining against the material of his sweatpants.

it's been there since he started kissing you, and it's only gotten progressively worse as the time stretched on. he's so hard now that it actually hurts, and the small stain of pre-cum darkening the front makes him feel like a damn teenager again.

toji gets to his feet, ignoring the way his stiff muscles protest, and sheds his sweats and his boxers in one swift movement, kicking them somewhere across the room. he makes his way between your legs, spreading them even further apart to make room for his body.

"wait..." you mumble dazedly, your words adorably slurred as you blink lazily up at him, reaching out a hand as if silently asking for something. "don't y'want me to return the favour first?"

he snorts, although it makes something inside him warm the slightest bit at your consideration. "nah, dollface. you're paying me, not the other way 'round, yeah?"

your pouty expression from earlier returns, but before you can argue further, your eyes fall on his cock, which you only just notice is free from his sweatpants. it's bigger than any you've seen videos of online before, with a prominent vein running down the length and pearly rivulets of pre-cum leaking from the pudgy tip.

your mouth falls into a small 'o' shape, a sudden sense of dread filling you at the mere thought of trying to take that inside of you. why did you have to make this deal with someone who has such an unnecessarily large dick?

toji chuckles deeply at your reaction, cocking his head to the side with a smug smirk. "what? don't tell me you're g'nna chicken out on me now, sweets?"

you could just smooth down your skirt, hand him your credit card as payment for what he's done for you already, and walk right out of his room the way you came in.

but you don't. you've come too far already to back out now — you're this close to finally losing your virginity.

"no," you murmur meekly, swallowing thickly and tearing your eyes away from his cock and meeting his eyes again. "i don't wanna stop. it's just... is that thing really gonna fit in me?"

he barks out an amused laugh at this, his rough palms on your thighs squeezing in what's probably his way of giving you a reassuring gesture. "it'll fit, baby. i loosened you up a little already, so that'll help."

"okay," you mutter, your eyes flickering back down as he wraps a large hand around the meaty base of his cock, lining it up with your entrance and rubbing it along your puffy folds, gathering some of your creamy slick on the head. "is it gonna hurt? it's gonna hurt, isn't it?"

toji huffs at your hurried rambling, leaning his head down to shut you up with a quick kiss to your lips. "it'll only hurt at the start," he grunts in as soothing a tone as he can muster, bracing a hand against the headboard above you.

this seems to ease your nerves, if only a little, and you nod in a sign of silent permission. but he doesn't appear satisfied with this, and he grasps your chin with his free hand. "that ain't good enough, dollface. use your words f'me."

"y-you can start now." you murmur in response, your eyes glued to the way the muscles in his arm flex above you as he begins to slowly push himself in.

"fuckin' shit," he groans, the sound more guttural than anything he's let out so far as his cock breaches the first ring of muscle inside of you, his beefy arm visibly shaking as he tries to hold himself back from just plunging all the way in. "so damn tight in here."

your face contorts into a grimace as a rush of pain pangs through your body, your hands clutching at the sheets for purchase. you'd heard about it hurting online, but then again, most people didn't take a cock as big as toji's for their first time.

"sorry, babydoll." he mutters hoarsely, his gruff tone holding an underlying tone of genuine sympathy instead of the amusement he's shown so far — he's clearly aware of the strain he's having on your body.

he gives you a few moments to adjust to the intrusion, gritting his teeth to hold back any sounds that threaten to spill out of his mouth when he feels your cunt clenching and unclenching around him.

"you can keep going now," you manage to say, your eyes screwed shut and your hands fisted in the bedcovers as you try to deal with the pain. "i'm okay."

he grunts in response, the hand that was around your chin moving to grasp one of your balled up hands as he continues to sink himself inside inch by inch. he can feel how hard you squeeze his hand the entire time, probably cutting off the circulation to his arm in the process.

but he couldn't care less about that. not when he so close to finally being balls deep inside of his pretty little roommate.

"biiiig stretch." toji hums, a low, drawn out sound, when he finally feels himself bottom out, your spongy walls contracting and fluttering around him as if they can't decide whether to push the intrusion out or pull it in deeper. "there we go."

you, on the other hand, couldn't manage to string together a single syllable. it feels like toji has buried himself into your guts, like he's physically rearranging your anatomy right before your eyes.

toji lets his own eyes flutter shut for a moment, his adam's apple bobbing as he swallows thickly. he knows you need a while to adjust to taking all of him, but damn if he doesn't want to pound you into the mattress right now.

you let out a strangled groan, wriggling around against the covers as your body stretches to accommodate his sheer size. it feels like he could split you in half without much effort. "p-please... start moving, toji."

"you sure?" he rasps gruffly, his hand gripping the headboard so hard his knuckles have gone completely white. "once i start i prolly won't be able to stop."

"i-i don't care. just..." you begin, unable to even finish the thought when he shifts slightly, unintentionally pushing into you even deeper. "move."

he snorts at your desperation, but the sound turns into something akin to a growl when he pulls out slightly, before shoving himself right back in all the way.

"ah!" you sob pathetically, clinging onto his hand even tighter as he starts to shallowly thrust into you. shit, you're pretty sure you just felt something inside of you snap.

you're officially no longer a virgin.

"yeahhh." toji grunts above you, his lips spreading into a pussydrunk grin as he moves he moves his hips leisurely but expertly. you're starting to understand why his hookups always cry his name so loud through the thin walls separating your rooms.

the initial pain slowly starts to fade, being replaced by an overwhelming sense of pleasure and fullness. you bring your shaky legs up to wrap around his beefy back, your ankles locking against his skin.

"jesus, girl," he groans, his hips subtly stuttering in their pace in response to your actions. "y'er pullin' me in even deeper."

you open your mouth to apologize, or retort, or something, but it comes out as a slurred garble when you feel toji's fat cockhead brush against your cervix.

"uh huhh." he grins smugly, his hand that was interlaced with yours moving down to grip your hip and keep you in place as he quickens his pace slightly. he's being a little gentler than he usually would be just for you, but this is still toji here.

"t-too much!" you cry out, reaching up to grasp onto his bicep above you for some sort of support. your entire body is jolting against the covers in response to his increasingly hard thrusts, your mouth hanging open dumbly.

"nah, dollface," he grunts in protest, his fingers digging into the skin of your hip as if to ground you. "i know y'can take it. doing so damn well f'me."

toji brings his palm up from your hip to slide under your previously bunched up shirt, fondling your breasts and rolling one of your hardened nipples between his fingers.

this makes a loud mewl escape from your throat, your cunt clenching around him in response to the dual sensations. if you thought his tongue made you reach new heights of pleasure, his cock is a completely different beast.

you can already feel something strange stirring in the depths of your stomach. it's not like your previous orgasm, it's unfamiliar — it almost feels like you're about to pee.

"t-toji, feels weird," you slur out, squirming against the covers as you try to hold the rising sensation at bay. "like i'm gonna pee or something. m-maybe y'should pull out."

he barks out a laugh at this, as if he knows something you don't. his hand moves down to pat your stomach, right where the prominent bulge of his cock is moving in and out.

"that means you're gonna squirt, baby." he utters simply, making your eyes widen in surprise. now that's something you've definitely never managed to make yourself do before.

looks like you're gonna be ticking off more than one first from the list today.

"makin' ya squirt for y'er first time," he proclaims cockily, smirking to himself as he effortlessly keeps up the languid rolls of his hips. "i'm damn good, ain't i?"

"i haven't even squirted yet." you grumble, heat flooding to your cheeks in response to his teasing. he's still your annoyingly smug roommate, even when he's fucking you into his mattress.

"key word — yet." toji shrugs in response, his lethal thrusts quickening in pace. his rough palm pushes down right above your bulging tummy, causing you to let out a strangled gasp.

your cunt clenches impossibly tighter around him, your ankles digging into the skin of his back as you feel your second orgasm of the night start to wash over you. "fuck. g-gonna..."

"yeah? c'mon, baby, make a mess all on me." he grunts gruffly, his hand moving down to rub lazy, sloppy circles against your puffy clit, the nub pulsing under his touch.

"tojiiii!" you practically sob, the added stimulation sending you hurling over the edge before you can process it. your vision goes completely white with the intensity of your high, your breaths coming in heavy gasps.

"oh, thattt's it," he hums in satisfaction, lightly patting your pussy as he watches the gushes of clear liquid squirt out, lewdly coating the base of his cock and balls in your essence. "fuckin' good girl."

it only takes him a couple more strokes for toji to know he's close too, and he quickly pulls out, slapping his thick cock against the flushed skin of your tummy and giving it a few final jerks.

as much as he'd love to fill you up, he figures that since you're a virgin, you probably wouldn't be on birth control.

and he's not about take that risk.

toji lets out a low, raspy grunt as he spills his creamy, pearlescent cum all over your stomach, tainting the supple skin with his sticky, oozy mess.

he lazily tugs his boxers and sweatpants back up, wiping some sweat from his forehead with the back of his hand before leaning down and giving your cheek a quick, wet kiss.

then he saunters out of the room, leaving you panting and limp on his bed while he rifles through your purse on the living room table.

"i would've done that for free, by the way." toji mutters amusedly as he pulls out your credit card, waving it tauntingly in front of his face with the smuggest grin yet stretching at his lips. "see ya in thirty six hours, dollface."

i’d like to dedicate my first proper fic to @screampied because her works inspired me to begin writing my own! <3

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