I really like this question.
For text I like,to use PicsArt. But I also use Moldiv,Phonto,Pic Collage,Pizap,PicArt.
For collages I use Pic Collage
For this ask book I used Photo Candy and added text from PicsArt.
I also like Pixlr Autodesk for some awesome effects.
PicsArt is nice for,effects,cool masking, and awesome text. Pic Collage is still the best collage maker I have.
And finally I resize my image to fit for wattpad. gastonmyangel said in her ask book covers have to be 512 x 800. So that helped me a lot.
Thanks for the question!
Lexy
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Ask Lexy (Lexy_VLover
Fanfictionexactly what it says in the title + other stuff @Lexy_VLover [status : completed, note, there is a second one]