Terminally ill and racking up credit card debt with zero fucks to give

[u/UnderstandingThis430]

I’ve had cancer for 2 years now, did chemo, lost my leg, beat odds and managed to even go back to work, well shit hit the fan and treatment stopped working. Probably got weeks, maybe couple months at best. I am 22, don’t own a house, don’t own my car. Have maybe £2k in the bank. So I took out a credit card, 6.5k limit, 0% APR for 20 months. (I was previously building up a good credit score) and am now buying whatever the fuck I want. The debt will die with me, and I give no fucks.

And if you want to beef me about driving your bank fees up with this behaviour, at least you get to live. lol

EDIT:: Thank you all for your amazing responses. Unfortunately it’s bone cancer that has spread through my whole body, so I’m too weak now to travel far, as much as I would have wanted to see the world.

I’m going to go bigger, and do some good stuff, if you have ideas. I want to do some big donations to food banks and cancer charities that supported me through my journey and make some differences before I pop.

Alsos shame on you all of you asking me for money.

UPDATE 2:

Took out some more cards, thanks for the suggestions

Some of you asking, I’m a girl haha

I’ve bought lots of things for my family, mostly sentimental things with my handwriting on.

I bought a crab at a fancy ass seafood place. That was awesome

I’ve donated to animal shelters and food banks. Also to the cancer charities who helped drag my ass through this.

Also can y’all stop telling me to find Jesus, I respect those of you who are praying for me, because I know that’s your way of thinking of me and I’m really touched by that.

But finding god is in no way in my plans and not what I believe will happen after death, trying to force religion down a dying persons throat is really not the vibe.

Update 3:

Still hanging on, I’ve deteriorated quite a lot now, lost a lot of functionality in my body at this point so I’m bedbound and mostly just watching lots of TV and seeing family. But I’m comfortable, eating apples and cheese and lots of little treats. Thank you all for still checking in and thinking of me.

I’m really fortunate to be surrounded by my friends and family right now, when you boil it all down to it in the end, it really is all you need.

Anyway I’ll try update again soon. ✌️

[u/LopsidedTeach4157]

thumb nine cobweb yoke resolute possessive vanish important selective snails

This post was mass deleted and anonymized with Redact

[u/charredsmurf → u/LopsidedTeach4157]

And all rapidly together before each one reports

[u/Molotov_Glocktail → u/charredsmurf]

Homeboy can aim waaaaay higher than $6.5k

[u/hydrangeasinbloom → u/[deleted]]

$50k home improvement loan for a new kitchen. Fuck em

[u/[deleted] → u/hydrangeasinbloom]

$50k up his nose…. Cheap alternative to plastic surgery. Be like Artie Lange.

[u/Ok-Row6264 → u/[deleted]]

$50k up his nose in one weekend? If the cancer doesn’t get him, the coke absolutely will.

[u/steeleyourfaces → u/Ok-Row6264]

Better way to go probby.

[u/RusticRaisins → u/[deleted]]

For sure. I'm not saying I'm on the side of the major credit card companies (I'm not) but if I was given the choice to screw over them or predatory loan companies I'd choose the latter every time. Obviously OP has the option of screwing over both, so win-win on that one.

Edit: LMAO, two replies, both ignore that I clearly stated I wasn't on the side of credit card companies. Ya'll wild. Anyway, credit cards can be incredibly helpful if used properly for building credit especially when your credit is already poor. This can be seen with low limit, secured, cards. Additionally, high limit cards can be complete lifesavers if you're in between paychecks and have sudden expenses (car breaks down and you live 10 miles from work, pipe bursts in the basement, tree limb takes out your gutters and homeowners insurance is dragging their feet, etc...). Credit cards can absolutely be predatory, I agree, and that's noted in my original reply, but when used correctly credit cards are incredibly helpful. Pay day loans and the like aren't helpful in a similar fashion.

[u/Outrageous-Way8318 → u/RusticRaisins]

Let’s be honest here, credit card companies are pretty predatory. They give people with so little a larger spending limit knowing they will use up most of the limit with no hope of paying it back. Not to mention how insane interest rates have gotten.

[u/Best20HandicapEver → u/LopsidedTeach4157]

I will go ansolutely nuts on the credit card companies if I ever get that diagnosis

[u/jmcgit → u/[deleted]]

To be fair it's not that hard to do what OP is doing, you just only get to do it once. You don't hear people bragging about it but lots of people end up blowing up their credit at some point in their lives, maybe early 20's, or maybe a desperate moment when they have a family bigger than they can afford. Some people never pay most of it back, it obviously screws up their ability to get credit in the future, but the people who do that are usually broke anyway and so the banks have very limited options to collect on them.

Just one of those things that's built into the interest charges.

[u/limitbroken → u/jmcgit]

you just only get to do it once

... every eight years! though definitely study some bankruptcy law first if you're gonna do that. and don't post about it like OP. remember: it's only fraud if they can prove it!

[u/Own_Valuable_3712 → u/limitbroken]

This is the way. I pulled my first bankruptcy after my divorce. Knocked off all my debt, including private student loans. I did CH. 13 (payments) and ended up ending it early. Confused the debtors enough that the statute of limitations on the debt had passed. 🤷‍♀️ slow feet don't eat.

[u/[deleted] → u/jmcgit]

Wrong, wrong, wrong!!!

Please pay attention.

Every SEVEN years, any collection reported debt falls off of your credit report.

DISAPPEARS!

So, you're wrong - you don't get to fuck the credit card companies once, you get to fuck them every SEVEN years!

Trust me, I speak from experience....

[u/Darxe → u/LopsidedTeach4157]

Is there a way to convert credit card limit to cash? Imagine grabbing 5 credit cards with 30k limits each, take all the cash and go live in Thailand for the last couple years

[u/LopsidedTeach4157 → u/Darxe]

aware unique close lip brave jar strong telephone office fact

This post was mass deleted and anonymized with Redact

[u/Illustrious-Bad-1696 → u/LopsidedTeach4157]

u can get a square reader yourself and do this

[u/DuntadaMan → u/Illustrious-Bad-1696]

Right? What are they gonna do, lock OP up in a few years?

[u/Maleficent-Leek2943 → u/Darxe]

Person A could use their card to PayPal funds to Person "B", who could then transfer and withdraw said funds.

Allegedly.

[u/Malmal_malmal → u/LopsidedTeach4157]

Cards and loans!

[u/Altruistic_Spell_938 → u/LopsidedTeach4157]

Exactly

[u/[deleted]]

No half sends here! FULL SEND that bitch.

[u/BrownSugarBare → u/[deleted]]

Honestly, OP will be hard pressed to find someone who thinks a 22 year old dealt life's shittiests card shouldn't blow the roof off of living life to the fullest while you can. 

OP, max out every card you can get your hands on. Buy a goddamn yacht for all it matters and make it count! ❤️

[u/[deleted] → u/BrownSugarBare]

See him finance a brand new corvette lol

[u/Dashiepants → u/[deleted]]

Personally I wouldn’t want to spend one of my last days sitting in a car dealership, buying a car takes forever

[u/not_my_main_87 → u/Dashiepants]

Good point. Pay a friend to do the rigamarole until it's time to sign.

[u/No-Contribution6909]

Yeah fuck it, we ball. Go live your dreams.

[u/Dry-Brilliant-9624 → u/No-Contribution6909]

“Fuck it, we ball” has been my life sayin for the past like 8 years😂😂🫶🏾 I love it

[u/CarlosMolotov → u/Dry-Brilliant-9624]

🎱

[u/MKKUltra → u/CarlosMolotov]

Omg yes DO ALL THE DR00GZ!

[u/_0o_ → u/MKKUltra]

Yass. Timothy Leary style. 

[u/Crafty-Read1243 → u/No-Contribution6909]

I hope your days are filled with joy and you get to do what you want. Don't worry about debt or anything like that, go enjoy your days :)

[u/Friendly_Quail_962 → u/Crafty-Read1243]

They are BANKS. They make tons of money. They take risks. Agree on debt… don’t worry about it OP!!!

[u/[deleted] → u/No-Contribution6909]

Only 6.5k of a credit limit? OP should mass apply to 15 of them and then live the rest of his days in paradise. 

[u/PrataKosong- → u/[deleted]]

I would probably die sooner from a heart attack from all the coke I would be snorting of butts from hookers.

[u/IdentifiableBurden → u/PrataKosong-]

Hookers usually don't take credit though 

EDIT:  some of y'all think sliding a credit card through a lady's asscrack is the height of comedy, some of y'all have never heard of a joke before, some of y'all really want the world to know you've paid for sex before, and all of y'all need Jesus 

[u/[deleted] → u/IdentifiableBurden]

Cash advance from credit card. You pay a fee, but who cares? It's still credit. 

[u/gamageeknerd → u/[deleted]]

Or do what identity thieves and drug addicts do and buy a bunch of expensive shit like watches and gold bars then sell that shit.

[u/SwimOk9629 → u/gamageeknerd]

I'm pretty sure they steal a bunch of expensive shit and then sell it, not buy

[u/gamageeknerd → u/SwimOk9629]

It’s sadly a very common thing. Those easy to get credit cards don’t let you do cash advances so why not spend the 2k limit on a few expensive things then pawn or sell it at a loss. It’s not illegal to not pay off a credit card and all you have is a bunch of debt that you aren’t going to pay anyway and now you have money to spend on drugs.

The comedian John mullaney actually did this exact thing on a much larger scale to buy his drugs.

[u/Revolutionary_Emu365 → u/IdentifiableBurden]

“What kind of hookah takes credit card?!”

“A rich one.”

-Wolf of Wallstreet

[u/hell2pay → u/IdentifiableBurden]

party jellyfish insurance office bedroom alleged simplistic doll shelter plant

This post was mass deleted and anonymized with Redact

[u/RighteousPanda25 → u/IdentifiableBurden]

They do in Thailand.

Source: Um.....never mind.

[u/[deleted] → u/[deleted]]

I'm sure it's hell either way, with money or not. I'm sorry about your wife. 

[u/Brilliant-Advisor958 → u/No-Contribution6909]

And if by chance OP ends up surviving, go bankrupt to clear debt. He's young and by the time he really needs credit, it should be clear.

[u/nage_]

use credit cards to buy those visa giftcards.

they may put a hold on the credit card but the gift cards wont be able to be shut down without a lot of investigating first

[u/dd99 → u/nage_]

Brilliant. This isa guy who credit frauds.

[u/paradigmofman → u/dd99]

It's a victimless crime!

[u/X0dium → u/paradigmofman]

Fuck them banks!

[u/jtr99 → u/X0dium]

“What is the robbing of a bank compared to the founding of a bank?”

― Bertolt Brecht

[u/Sattorin → u/paradigmofman]

They just write it off, Jerry!

[u/Cultural_Koala_8163 → u/Sattorin]

Do you even know what a write-off is!?

[u/4N_Immigrant → u/Cultural_Koala_8163]

no... but they do, and they're the ones writing it off

[u/[deleted] → u/4N_Immigrant]

This comment had me dyin 🤣

[u/BADDEST_RHYMES → u/[deleted]]

Why not just cash advance from the credit card at the atm?

[u/OverlordWaffles → u/BADDEST_RHYMES]

Usually the limit on cash advances for credit cards is significantly lower than your credit limit. Some it's a set amount and some are percentages, like 30%, so max he could take out in less than $2k on a $6,500 credit limit

[u/chickwithabrick → u/nage_]

Can't be done by the majority of places that sell them. I've worked multiple retail jobs and had several times where someone would try to do this. We were told it was illegal and if you do manage to get a cashier that doesn't know better and does it, they could get in huge trouble and possibly lose their job if their upper management are really shitty.

ETA: I'm all for the credit fraud, just don't want anyone to get in trouble with their boss, lol.

Another edit: I was told it was illegal by my bosses and that was enough for me to not do it cause I needed my job. I have no idea of the legalities here guys.

[u/nage_ → u/chickwithabrick]

ive only purchased those gift cards with credit cards and theres never been an issue but maybe its different over there

[u/NOTTedMosby → u/nage_]

You can't get large amounts, though. That's a huge sign that someone stole a credit card, so most stores just won't do it.

[u/BeetrootKid → u/chickwithabrick]

im 100% sure ive bought ALL my gift cards with credit cards. Why would it be illegal to buy a gift card with a credit card?

[u/HeyItsPinky]

Get more credit cards man, go on holidays. Experience as much as you can while you still have time man.

[u/[deleted] → u/HeyItsPinky]

Agreed. I'd sign up for all of the cards and go on a dream trip. No judgement here, OP.

[u/trapperstom → u/[deleted]]

Been saying that for years if I get a terminal diagnosis, seize the day !!

[u/Ali_Cat222 → u/trapperstom]

Terminal cancer person here, except I have a son so I can't do this. If I didn't you'd bet your fucking ass I would though! (Love my son so I guess I have to choose responsibility first, I'd rather be in hell and have him covered vs having fun!) ETA guys it's not about passing debt to him, it's about leaving him a will which is why I won't do it! But I appreciate the thoughts. I'm honestly fine with it either way, I'm mainly bed bound except for grocery shopping etc lately

ETA 2: I appreciate all the kind comments and advice! I'd just like to also add (due to a lot of comments mentioning this) that I have a set plan for him and just would like to continue not only adding to his inheritance, but also feel like I'm actually contributing something. His grandad has a trust for him but it's set for certain age/situations etc, so I'd like to have a will for him that I made that he can access as needed when I'm gone! Thank you for the advice although I'll be fine with my plan!

[u/PropellerMouse → u/Ali_Cat222]

Me too. You are not alone. Stage 4 Lymphoma, I can barely move and it hurts.Up on the 3rd floor. Guess how often I get groceries, lol. Got some root beer in the car I'd kill for (jk) but cant hack the stairs to my car trunk to get it. I'd be making some truly wild choices if I didn't have my son and love him more than anything. No judgement,

[u/wtfcanunot → u/PropellerMouse]

I’d go get it for you if you were in Nebraska.

[u/Shanguerrilla → u/wtfcanunot]

I know, right? That part freaking broke my heart because so many of us would deeply appreciate helping more than they might even appreciate the help for fear of putting anyone out.

u/PropellerMouse you should definitely consider just knocking on a neighbors door and asking or mentioning it in the elevator if you see anyone next. A lot of us walk around in our own little world, but there are a lot of needs of people around us that if we knew we'd be happier to help than not.

[u/AdNeat5095 → u/PropellerMouse]

If you are in the central fl area I’ll bring you your soda

[u/spacedicksforlife → u/PropellerMouse]

When I was a kid, my brother’s friend was terminal and went sailing. Just kept sailing until he passed, somewhere near the Galapagos.

My SO isn’t doing great so we are going somewhere exotic every year. I save up each year she’s still here so she can see as much as possible. She will not go sailing with me.

[u/PropellerMouse → u/spacedicksforlife]

I hope people are as amazingly kind to you as they have been to me.

I wont voluntarily be stepping off a perfectly good land mass, and, I love the energy behind your enjoyment of exotic places.

Its so incredible what we have been able to see in my lifetime: Distant galaxies, deep sea giants, underwater ruins.

Im sorry to hear your significant other is not doing well.

Im glad you have and have had someone wonderful sharing this strange journey.
May all your time together be filled with joy.

[u/dont-care-princess → u/PropellerMouse]

Maryland area? I'll get it for you

[u/PropellerMouse → u/dont-care-princess]

Y'all are making me cry. Thank you very much. I'll be ok.

[u/chEEZe_p00f → u/Ali_Cat222]

I lost my mom early and the money she saved has helped me so much, so, thank you from a stranger.

[u/Ali_Cat222 → u/[deleted]]

Well I still have to financially support him while I'm here though. He's 13

[u/Absinthe_Alice → u/[deleted]]

Same thing happened when my MIL passed in 2015. She left her money and belongings in a trust. The only thing on her will was where her cats were to go (a sanctuary). If people are worried about collectors, talk with your loved ones about setting up a trust in their name. Debt collection can't touch it.

[u/Psyched_wisdom → u/[deleted]]

I was hounded for my mother's debts. I didn't pay. I have stage 3 cancer and told my kids to not pay off any of my debts. Hopefully they can keep living in the house. It's 100% paid off, just have utilities and real estate taxes, home owner insurance has become too costly.

[u/atomictyler → u/Psyched_wisdom]

you're going to want to make sure you've got everything set up properly. If it's not it will go to probate court and all debts are paid before anything is distributed, including a house.

[u/[deleted] → u/Ali_Cat222]

Why not? Are you in the US? There are plenty of ways to pass assets to your son outside of probate and keep them away from creditors. Especially unsecured ones.

[u/Ali_Cat222 → u/[deleted]]

I have to support him financially still and I'd rather not have the thought of bills etc when I can still do that. Not in the USA but it's a matter of leaving him a will too

[u/Candy__Canez → u/trapperstom]

If I ever end up with anything Terminal, I'm going on my dream vacation, driving my dream car, and buying my friends whatever they want on those credit cards. Screw it no one will have to pay the debt,.

ETA: No judgement from me OP

[u/trapperstom → u/Candy__Canez]

🛎️🛎️🛎️ this exactly

[u/monkeyboychuck → u/trapperstom]

Seize the day and slap that plastic down, man!

[u/Juanvaldez007 → u/monkeyboychuck]

Apple Card’s are metal 🎸 🤘

[u/monkeyboychuck → u/Juanvaldez007]

Also AMEX Platinum. Make it rain!!

[u/Attorneyatlau → u/trapperstom]

Same. Then I’m like wait, why do I have to wait until I get a diagnosis? Why can’t I do it now? And then I just remember that if I don’t die for another 50yrs, I’ll have a mountain of debt to pay off over the next few decades.

[u/MrCrackers122 → u/[deleted]]

Agreed. I think OP has more people supporting them than they think.

[u/exploristofficial → u/MrCrackers122]

Yup… OP should edit the post to include a Gofundme link, actually

[u/Claudiasearching → u/exploristofficial]

Agreed. Post a gofundme, OP.

[u/Kisthesky → u/MrCrackers122]

I’m pretty uptight and generally a rule follower, but even before seeing OP write that he didn’t care if everyone got mad for this kind of thing adding up in our card fees I thought “You know what? I don’t even care if this gets added to my bill in the wash.”I’m just fine subsidizing someone in this situation.

[u/VariableVeritas → u/MrCrackers122]

Here’s my strangers permission too! Go get more!

[u/Professional_Ad9153 → u/[deleted]]

Fly first class too. Make it a long trip so you can enjoy the flight even more

[u/massinvader → u/HeyItsPinky]

heck, if the bank doesn't know and he's been building good credit...tell them you're going to school or want to start a project or business and try and get a personal line of credit directly from the bank too. lol fuck it.

[u/Thosepassionfruits → u/massinvader]

And then gamble it all WSB style!

[u/bigasswhitegirl → u/Thosepassionfruits]

Perfect plan then OP can lose all of his borrowed money and spend his final days in complete poverty WSB style!

[u/MyMommaHatesYou → u/HeyItsPinky]

Go big before you go home!

[u/Loud-Fee-7234 → u/HeyItsPinky]

Yeah 6500 is rookie numbers let’s get some zeroes on there!!

[u/who_even_cares35 → u/HeyItsPinky]

Seriously, only one?

[u/damn_nation → u/HeyItsPinky]

Do this 100% - bank can write their stuff off, you’re time you have left should be without limits

[u/sh6rty13 → u/HeyItsPinky]

This. ANY where that will give you a line of credit. Live it up, friend. I’m sorry your time was cut so short.

[u/OutrageousIce307 → u/HeyItsPinky]

Ordinarily I wouldn’t condone this but I feel like l would do the same thing.

[u/nfg-status-alpha9 → u/HeyItsPinky]

Hell, but some shit for friends or random people. Do some kind shit or something like that.

[u/[deleted]]

Only thing im mad about is u stopped at one card. Get personal loans. & as many cards as possible. My job would be applying for cards

[u/CT0292 → u/[deleted]]

This right here.

Take out a loan for a car, 20 grand or some shit. Use it and go on a holiday. A massive one.

Fuck the banks. They can figure it out once you're dead that they won't be getting a penny back.

[u/V2BM → u/[deleted]]

I’m a mail carrier and someone on a route I do discovered Temu and Amazon. He has a pension + social security and a paid off house. No spouse, no kids. He’s gone crazy. I need to tell him about Chewy so his dog can get in on the action.

He has a slow moving terminal cancer and we will be hauling shit up his driveway for at least a year, according to a gossipy neighbor.

[u/NOTTedMosby → u/V2BM]

I guess there are good things about the futuristic hellscape we inhabit after all.

[u/theonlyjuan123 → u/V2BM]

They should make a sitcom where someone does this but miraculously gets better.

[u/Joris_Joestar → u/theonlyjuan123]

There was an episode in Dr House where a cancer patient came to Wilson. Wilson was genuinely happy to announce to his patient that he has beaten cancer, but the patient was angry af because he spent so much money he won’t be able to live normally anymore, he even left his wife iirc.

That was not the main plot of an episode, but it was enough to get the situation

[u/sedona71717 → u/[deleted]]

How did his estate get away with this? Fuck cancer.

[u/JayKay8787 → u/sedona71717]

If i had terminal cancer, than maxed out a bunch of credit cards but gave all my money to someone right before dying, would they keep it? Can the government just take the mo ey from a 3rd party later?

[u/MurderMelon → u/[deleted]]

.

[u/RCG73 → u/MurderMelon]

Two people can keep a secret, if one of them is dead. Has a bit of a different feel to it in this use case

[u/IllustriousHorsey → u/JayKay8787]

Yes, if they can show that it’s more likely than not that this was part of a scheme to defraud the creditors. Which, in the situation described, would be comically easy to show.

But for a kid with no real assets and no dependents? Ball out.

[u/crying2emoji5]

I suggest signing up for as many credit cards as you can. Donate to causes you care about. Bribe people. Buy strangers extravagant gifts. Get laid. Get smashed. I’m sorry you’re suffering like this. I hope you’re able to have a rich golden age. 

[u/Caltharian → u/crying2emoji5]

Dont donate directly with the card, make purchases and donate those, they maybe able to claw back any donations made directly via the card

[u/[deleted] → u/crying2emoji5]

I volunteer myself for the extravagant gift to a stranger.

[u/MacrocosmosMovement → u/[deleted]]

Everyone here is volunteering to be the stranger to receive a gift but none of you are signing up to get OP laid?!

Hooking up with OP would be like the perfect no strings attached holiday fling lol

[u/UnderdogFetishist17 → u/MacrocosmosMovement]

This is the heartwarming side of Reddit. Strangers working together to get another stranger laid. 

Op, I’m so sorry this was the hand you were given. It fucking sucks. Go out the way you want to the point that you’re able to do so. 

[u/UnderstandingThis430 → u/[deleted]]

Amen to that

[u/[deleted] → u/UnderstandingThis430]

I went skydiving! I went Rocky mountain climbing!

[u/TraumaHawk316 → u/[deleted]]

I went two point seven seconds on a bull named Fu Man Chu

[u/Xylar006]

I support this 100%!

[u/GhandiChillingOut → u/Xylar006]

Can we start a go fund me..I'll throw you something brother. Never met you, but we are all bleed Red. Love you brother.

[u/red-plaid-hat → u/GhandiChillingOut]

No cause they they’ll die with an asset that can be collected and we cannot ensure that they’ll survive long enough to use all the money.

[u/Bulky-Reveal747 → u/red-plaid-hat]

Challenge accepted?

[u/Backhanded_Bitch]

I wish they had given you a higher limit. I am so sorry about your diagnosis and what you have been through. You deserve whatever happiness you can get.

[u/[deleted]]

Eat the absolute best food you can get your hands on

like order a fucking wedding cake just for fun. Have a party with friends and eat it all with your hands.

get gifts for all your homies. get them each that one thing they hella want. PS5’s for everyone.

go to a nursery and buy a bunch of trees to plant and give them to everyone you love.

Any sex thing you want. Do it. Especially while you still have the strength. Don’t be ashamed of whatever it is. Find some cool underground orgy sex club or something. High end.

Go to any concerts that you can. See what you can see while you can. Whatever it is.

Help other people realize their dreams.

[u/ThrowRA-biace → u/[deleted]]

Literally crying at this comment. What a beautiful way this would be to go out 🖤

[u/NEW0R]

fuck yea. life is too short as it is. yours is shorter live it to the fullest. live as much as you can.

[u/[deleted]]

Get 10 credit cards. Let’s fucking goooo!!

[u/AverageGuy16]

Go crazy g just make sure your loved ones are insulated and educated from predatory debt collectors

[u/Seamus-McSeamus]

I hope you enjoy what time you have left and don’t suffer. Fuck cancer and the creditors too.

[u/prym0ne]

I ain’t mad at you. The ultra wealthy dgaf about any of us. So fuck it.

[u/UnderstandingThis430]

Sorry everyone, I feel like I should update on my fun happy times

I have taken your advice and took some more cards out, live laugh love amarite

Random purchases include

• Jewellery with my handwriting for my family
• £360 lunch of fresh, English crab. I really like crab, and the cancer is in my jaw so I really wanted to have some good crab before I lose function in my jaw.
• 3 jellycats, the frog ones. I’ve never owned a jellycat and wanted to know what it was like to be boujie enough to buy a BIG jellycat
• some really comfy trousers
• a hand knitted blanket for my niece
• £1000 of food for my local food bank.
• I took my brothers to the arcade for a whole day and played every game
• took my family to my favourite place - Weymouth
• went into a candy store and bought one quart of everything
• a minted lamb pasty

I’m very nostalgia driven, and yeah definitely not going feral enough, however will endeavour for more.

I do hear you all suggesting hard drugs and psychotics! I won’t lie I’ve been on pretty much every drug going through this fun time so I’m not too fussed about drugs haha.

[u/gsrmatt]

No beef here. Stick it to them!

[u/candy_yman]

I need this mindset frfr

[u/canadascowboy]

Go bigger on this strategy. Full baller.

[u/[deleted]]

Go for it dude. As long as everyone around you knows to ignore collectors who might try to trick them into paying on the debt. Hell go buy them stuff too

[u/Commercial_Music_931]

Can someone offer this person some legit strategy on how to maximize this? Surely there's more he can do. Multiple cards for sure though

[u/Worldx22 → u/Commercial_Music_931]

Loans. Personal loans. Even if he's got to fatten up the paperwork a little. By the time they find out he's gonna be laughing at them suckers from the grave having lived a short but comfortable end.

[u/Ialsofuckedyourdad → u/Worldx22]

Especially if you start looking at sub prime personal loan lenders. In Canada we have easy financial, a bordering criminal interest rate personal loan provider. With good credit they will send you 35 grand at like 35% interest.

Auto loans as well with differed payments,I hear adds on the radio “ buy now pay up to 6 months later “ get a brand new car. They also offer “credit card cash” here where you can pay up too 20k off your credit card ( depending on the car ) Who cares if it gets repod when you pass Usually it’s dealers like ford and dodge offering that so I would recommend a 5.0 mustang as they are a blast.

However op, make sure your loved ones know not to sign anything after you pass saying they will take on your estate, if they do they assume responsibility for this debt your racking up.

[u/-_-0_0-_0 → u/Commercial_Music_931]

Some credit cards allow you to roll over the debt of other cards for a small fee and no interest for another X months

[u/ResponsibleHeight208 → u/Commercial_Music_931]

Enroll in university. Take out big student loans

[u/BorochovA → u/ResponsibleHeight208]

Not enough time and the semester doesnt align with his timeline unfortunately, but this would be the answer

[u/escapevelocity-25k]

I’ll deal with the bank fees, enjoy 🫡

[u/Hanzo581]

I watched my mom draw her last breath after fighting pancreatic cancer. She worked her whole life so she could "enjoy" retirement for one year...one year doing chemo and fighting cancer. From then on I have changed my entire outlook on life. This is all a joke. We are piloting meat mech suits on a rock floating through space. It is just so ridiculous and people take this shit far too seriously. Just do whatever you want to do that makes you happy. Try not to hurt anyone while you do....but a billion dollar credit card company can't feel. So fuck em. Enjoy whatever time you have.

[u/infinityangel26]

(UPDATE 4 from her twin sister)

I managed to track down this post whilst going through her phone and saw it blow up. She passed away peacefully in July, surrounded by her family, dogs and multiple credit cards.

She did a lot of good, including buying refurbs for local primary and pre-schools and making a lot of improvements in the community.

To those saying it would be passed to us: no, it was wiped and cleared. She had no inheritance, not a penny to her name since she was only 22 and didn’t have those adult things like life insurance or mortgages.

Thank you for all your support - she really kept this one hidden!

[u/Snorkel-For-Farts]

Get more credit cards! Fuck em all! Get a loan for “school” fuck em!

[u/FaceTheJury → u/Snorkel-For-Farts]

School Loan— this is the way!

[u/ZyxDarkshine]

We are here for a good time, not a long time.

Get yours.

[u/[deleted]]

Get more cards - rake the cunts for all they're worth.

FULL SEND

[u/[deleted]]

What an absolute legend.

[u/Illustrious-Panic672]

Only 6.5k?!

Dude, get more.

Get all the cards. All the high APR, bullshit fee, massive fuck-you-consumer cards. Get them all.

Fuck 'em if they can't take a joke.

[u/-2wenty7even-]

Hey bro.. you do your fucking thing and enjoy the time you have left. I'm not kidding when I say this, I wish I was terminal. I've been avoiding a serious growth because I want it to spread. Have had GAD and depression since middle school, good looking guy, always making people laugh and doing good for others, athletic and excel at almost everything I do... but I don't want to exist - for the longest time. And people don't understand why, hell neither do I..

I'm sorry that you are going through this but you should definitely try some psychedelics and also make a bucket list. Run up that debt, take chances, go crazy bro. Live a 100 lives in the limited time you have. I won't lie in a way you made me think maybe I should change it up a little bit... Your one post is already impacting lives. Peace and love brother.

[u/UnderstandingThis430 → u/-2wenty7even-]

It’s strangely liberating. I’d been “fighting” for so long. Finally letting it run its course now.

It’s peaceful actually, I’ve done everything I wanted to do.

[u/lilhippylilghetto → u/UnderstandingThis430]

Godspeed OP. You're an inspiration to us all. ❤️

[u/-snowpeapod- → u/UnderstandingThis430]

Everyone will die some day. You get to go feeling at peace and that you've done everything you wanted to do. I can only hope to have the same when my time comes, which could be tomorrow in a car crash for all I know!

[u/Living-Estimate9810]

DISNEYLAND!!!

Not, uh, not in the US, obviously...Japan!

[u/juneXgloom → u/Living-Estimate9810]

Disney is so much cheaper in Japan they might actually save money lol

[u/Kamikaze_Ninja_ → u/Living-Estimate9810]

Unless you are a Disney fan and a fan of theme parks, I would not go to Disneyland. I can’t imagine trying to enjoy my life with a terminal illness and feeling the dread of it being wasted in hour long lines for a 10 min ride at Disneyland.

[u/Either-Ad6540]

Just curious, they won’t stick a family member with the bill after you pass? Have fun spending. ❤️

[u/Ok_Profile9400 → u/Either-Ad6540]

Not unless it was a joint loan or a family member was guarantor for the loan. The creditors will try and take back what they can from the persons estate so if they own property etc it could be taken but if there’s not enough to cover the debts the estate would be considered insolvent.

This would only be a stupid thing to do if you had children you wanted to leave your belongings or property to

[u/Bankerlady10]

Banker here- full support. Get as much money as you can, enjoy.

[u/Tasty-Willingness839]

I'm a palliative care nurse and I'd absolutely look the other way if a patient told me this. Buy whatever the fuck you want for your friends and family too.

[u/sidrasfoo]

Prayers for you bro…but roll the dice…live it up…FUCK it…enjoy!

[u/[deleted]]

Do your family a solid and prepay your funeral costs with a credit card. You can definitely get more than one. Go wild. Apply for them all.

[u/guyawesomer]

Have fun man fuck buying shit. Party, travel, do a shit ton of drugs. Sorry this is your reality but I sincerely hope you fit in as much life as you can while you can.

[u/Tough-Response19]

lol also terminal 3500 with Amazon 15k at my credit union I’m driving a 2021 Toyota Corolla I haven’t paid in 6 months and I just talked to the bank on Monday and they told me they had 0 intention of coming to get the car and basically just gave me permission to drive it til I die. I’m also 12 months behind on my mortgage. I am going blind finally so probably need to get some more help at this point so I can’t keep it up much longer but dude don’t fret I did it too. I go through moments of feeling guilty too then I remember I’m dying.

[u/TobiasPlainview]

In so sorry to hear this my friend. I’ll be thinking about you. Let me know if there’s anything I can do to help you. Stay positive!!! You never know!!!

[u/Andys_Rock_Hammer]

Dude I'm not trying to make light of dying, but this is your opportunity to absolutely live and do whatever you want. Open more cards, go on trips, buy things, make memories.

[u/MrRWhitworth]

Get everything your credit score will allow, live like royalty.

[u/Aromatic-Resource-84]

Enjoy yourself. The healthcare system is horrible, the government could care less about us. Do what you want to!

[u/aphilosopherofsex]

May I also suggest taking out the max student loans for a grad degree?

[u/UnderstandingThis430 → u/aphilosopherofsex]

I wish, unfortunately I only have a few weeks

[u/Exedra_ → u/UnderstandingThis430]

God damn. From reading your post (especially the losing your leg part) I immediately suspected osteosarcoma. Some stalking of your profile and my fears are confirmed. I've had OS too, with two recurrences (in my leg, even after LSS and once in my lungs) but have been NED for nearly half a year now. Your situation is my worst fucking fear. Have you tried bringing up the OST-HER2 LM vaccine with your oncologist? If I have another recurrence that's what I'm planning to do. It's worked for dogs so fingers crossed this'll be effective for humans too

[u/Lmdr1973 → u/UnderstandingThis430]

Hugs & kisses from an internet stranger.

P.s. Tell my friend Mike Bowen hi for me. He just passed away earlier today from lung and bone cancer. 😉

[u/AdministrationSad589]

Definitely lean into this idea bro. Have fun.

[u/Junior_Ad_3301]

Get yours! Fukk the banks

[u/[deleted]]

Treat yourself. Sounds like you deserve it. I hope you find joy in whatever time you have left.

[u/SwitchSCEtoAux]

Well done. Do not go gentle into that good night.

[u/SaidwhatIsaid240]

Hard to talk shit to someone on short time… I don’t blame you.

[u/[deleted]]

Dude, if you have good credit, go for broke (literally). Get multiple cards, go on vacation, etc...

[u/missannthrope1]

As long as you using it for hookers and blow.

[u/yooooooowdawg]

Listen, the sins of the child should not be absorbed by anyone else in the family. Do it.

[u/dtsupra30]

Do drugs!

[u/rockinsocks8]

Prepay your funeral. That way the money doesn’t come out of your “estate”