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NAHH i think my cover is shit, i literally use ibis paint :x
Ehh im not sure but try to find a perfect picture for cover, if it's a character then render it if you want (erase the background). Then add some text/title by pressing the + button on top right (you can download from dafont, try to find the free for personal use. However there's some people that tend to sell their fanfiction so if you're planning on doing so, make sure to find the 100% free for personal & commercial use so you won't get sued for the font) and yeah just decorate it :3 add filters like overlay, multiple, add, etc