F** up my GPA
I am a sophomore and I am going to start recruiting from next term for PE and IB. I have always had a high GPA(> 3.8), my freshmen year but this term was just hard for a lot of reasons. so I am worried this will damage my chances since I will be networking from next term and will need to show my current GPA. so should I just lie? I know that I can bring my GPA back up in Spring and even before I graduate in 2.5 years, especially since it was only this term that I did badly (I think I will have around 2.8). but I don't want this to be the sole reason all my effort goes to waste.
what should I do? and do banks ask for transcripts for SA? and assuming I get 3.8+ in the next terms will it be okay if I lie now?
Well first and foremost, I would not lie. The risk-reward is not there for the potential of being caught and blackballed.
I was not asked for transcripts but I did not apply everywhere so I cannot attest to the practices of all banks, only the ones I applied to. If you have networked effectively hopefully you have some people who can vouch for you. I wouldn't take it so hard.
Honestly, it sounds like you had a hard semester and stressing about the things you can't change is only going to exacerbate whatever stressors in your life are impacting your performance in the classroom. You should write off this loss, prepare your story about why your GPA slipped during your interviews, and get ready to crush next semester. You can always reapply for FT positions junior summer/senior year. It's perfectly okay to deviate from "the course."
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