Would you max out your credit card before ctb?

[HereToday]

I imagined myself blowing all my money on a last vacation and enjoying life before ctb, but now it feels pointless. I think I'll just withdraw all my money instead and leave it to my family, since I have no assets and the debt will have to be forgiven. Does anyone else plan to do this or similar?

 

[Nem]

I already maxed everything out...I'm fuckin screwed more than ever :(
Peace/hugs

 

[PeaceisallIwishfor]

Yeah and blowing money on food, but the closer I get to ctb I sort of feel guilty for wasting resources and want to go out with peace of mind... Plus the anxiety causes me to be a bit nauseous.

 

[Retard]

Was there anywhere in particular you wanted to go before you changed your mind? Nothing like that has ever appealed to me before personally; the planning and travelling just sounds like a headache :) I'm leaving my estate to my mother. We've never been close, but I hope it brings her some kind of happiness/freedom at least.

 

[LMLN]

Maxing out your credit cards will create more stress for you. I suppose it could push you into ctb even more....giving you now a financial reason.

 

[Flume]

No, if it fails I'm more than fucked it's not worth it.

 

[HereToday]

Was there anywhere in particular you wanted to go before you changed your mind? Nothing like that has ever appealed to me before personally; the planning and travelling just sounds like a headache :) I'm leaving my estate to my mother. We've never been close, but I hope it brings her some kind of happiness/freedom at least.

I've been addicted to solo travel since I was 18 so it would be very fitting for me to have a last vacation and treat myself beforehand. No destination in mind. It feels pointless now though, I don't even think I'd enjoy it. I'm going to settle for a hotel room in my city and ctb there. I plan to withdraw money from all my bank accounts and credit cards, and leave it to my parents. We've never been close either but I don't want them to worry about paying for the funeral or anything, and I won't need money where I'm going. And hey one more sin won't make much difference lol

 

[mediocre]

I don't have a credit card but I would never max one it if I did because then my family could be left on the hook to pay for it.

 

[HereToday]

I don't have a credit card but I would never max one it if I did because then my family could be left on the hook to pay for it.

A lot of people on here seem to think this is the case. Unless your parents cosign (which is unusual for a credit card), they can't be held responsible for your debt. Assuming you don't live in North Korea lol

 

[Mm80]

Yes ive had the same thought myself. 0 percent purchase credit card, leave enough in the bank for funeral etc and the debt dies with you. It certainly wont shut the bank down.

 

[Despondent]

I probably would just to spoil myself and my last days on earth. Even if ctb failed afterwards, I'd keep trying until I managed my way out of this reliving hell.

 

[Moon Flower]

One of my final acts is going to be giving a friend who's facing hard times a few grand to get by on. Been saving up to look after him for a while and it won't matter if I'm broke after if I'll be gone

 

[FullyUnplugged]

I maxed out my credit cards long before I was thinking about ctb with no plan to pay it back. I dont see why someone wouldn't. Shit I would get a cash advance and give it all to a homeless person if I could. Been on vacations and done things to try to find happiness made me more suicidal knowing that didn't work.

 

[Saddad]

No have to think of wife and kids. Wouldn't want to upset them more than necessary

 

[Farmmaa]

I already maxed everything out...I'm fuckin screwed more than ever :(
Peace/hugs

Ditto - I maxed all my cards out trying to make it through the off season last winter. Now there's no back up to draw money from for rent.

 

[cosmicpixiedust]

I have such bad credit that no reputable company would ever give me a card, hahaha. Assuming that I had good credit and was 100% not going to fail, yes. Definitely. I would buy everything for my cats and dog that I could ever need. That way, maybe my roommate wouldn't give them to a shelter, or at least to hopefully help him long enough for him to be able to find them proper homes.

 

[Meant2Die]

I def would not max them out bc I would feel guilty, but at the same time nothing really brings me much pleasure so spending $ seems useless. I took a walk around the mall one last time before xmas, just bc I had time and nothing to do and wanted to see how it changed since I haven't been inside for over a year (whereas I worked there for over 4 years while in high school). Anyway, all i saw were the same things I've seen over the years, the same clothes, the same styles, the same jewelry, a few new gadgets, the same excited shoppers while I COULD NOT CARE LESS about any of it. I DID NOT WANT 1 thing. That actually made me feel like I am getting closer and closer to being ready. I've been feeling myself pulling away from earthly desires in general, and getting antsy just to get it over and done with. I like that b/c its clear I'm making peace with what I must do.
The one thing I have been doing lately to treat myself and putting it on a card (despite having the cash to pay for it) is just getting takeout food WHENEVER I FEEL like it, which is quite the opposite to before which was always worrying about how much it would cost and feeling guilty that i already have food at the house.
I suppose if I was mobile, (right now I'm basically mostly home bound and need to be on many daily meds (intravenous ones) which need to be kept cold in a fridge and I have very low energy) but if i was mobile I would have put a nice trip to the tropics on a card, where the water is that crystal clear blue color.

 

[AnnonyBox]

It would be pointless, material things don't give me pleasure. At the most I'd splurge on some food and a video game, something to keep me occupied until the time was right.

 

[TAW122]

I can't really say for sure (I don't have a credit card, but a debit card instead). It really depends on my life situation at the time and what I do or not do. If I have what I want at the time in life when I decide to check out, then probably not. Then again, it just depends on the situation at the time and how I feel about things overall.

 

[sleepy dog]

I imagined myself blowing all my money on a last vacation and enjoying life before ctb, but now it feels pointless. I think I'll just withdraw all my money instead and leave it to my family, since I have no assets and the debt will have to be forgiven. Does anyone else plan to do this or similar?

This is confusing. You imagined using a credit card to go on vacation? But now it is pointless? So that means you changed your mind? If you are not going to max the card, then what debt are you talking about? Its confusing. The credit card bank would just get the loss back by charging their customers more. Businesses never "lose", they just pass the cost on to their customers. That is one reason life just keeps getting more expensive every day. This is a really bad idea. What if you max the credit card and then survive?

 

[HereToday]

This is confusing. You imagined using a credit card to go on vacation? But now it is pointless? So that means you changed your mind? If you are not going to max the card, then what debt are you talking about? Its confusing. The credit card bank would just get the loss back by charging their customers more. Businesses never "lose", they just pass the cost on to their customers. That is one reason life just keeps getting more expensive every day. This is a really bad idea. What if you max the credit card and then survive?

Yes I changed my mind about the vacation and will now withdraw the money for my parents. Maybe 'withdrawing money' is a British term and that's what's throwing everyone off lol? It means to get money out of an ATM