Definition: In this task, you are given a Reddit post as a text. Your task is to generate a title for this text. The title should start with "TIFU by", followed by a situation that caused humor. The title should contain 7-12 words, ideally.
Input: Text: story time - about 8 years ago my grandmother got a credit card. i at the time needed some funds so i asked her if i could use it. she said sure and added me as an user on the account. i got a card with my name and everything. anyways... i used it, paid the bill and managed the account for about 4 years. 

in 2012 i got a knock on the door from a detective. not knowing any better (big mistake #2) i agreed to talk to him without a lawyer. they were investigating me for fraud and abuse of an elderly person. there was no denying that i used the card, but i guess since was grandma had been diagnosed with memory issues few months earlier using the card constituted fraud. they had photos of me using the card, the whole works. 

biggest problem at that time was that i just put all my vacation money for an upcoming trip on the card so i could use it. i had no personal credit at the time. the detective told me to stop using the card. sadly i had to on vacation. after that, i heard nothing from no one. i thought the matter had been settled. 

fast forward to few months ago. get a call back from the detective looking for some paperwork. i send him what i have and went on with my life. now, i started using the card again after a year thinking the issues had been resolved. so i know i am in trouble.

and today i found out how much. i am being charged with a class a felony, theft of over $5,000. looking at up to 10 years and/or $20,000 fine. legal fees are going to get me before that. the only lawyer who can properly handle my type of case is $250/hour and like $4,000 min per court case. i'm looking at anywhere from $20k to $35k in legal fees. my income is too high for a public defender. 

it is all bad - ether prison, a fine that will bankrupt me, legal fees that will bankrupt me... even if they say fine, 1 year probation and fine - my job requires that i have a clean background check. i'll loose my job, my business and the tiny savings i have. 

i fucked up more that once and i know it is my fault. once final notes - there was never any damage done to my grandmother (who btw, has probably only a few months to live), i always paid the bill and never with her money. but they don't seem to care. ugg.


edits:

1) why i haven't built up my own creidt?
a) i have but most of credit cards are around $500 limits. this card started at $4000 and now is like $12000. 

2) why did you keep using it?
a) first time after was because my wife fell and broke her arm on vacation. it was the only card i had that had enough credit on it to pay the bill. other times it was just oversight. last 2 or 3 times was i broke a tool for work and everything else was maxed out. i had to get back to work. my personal credit gets maxed out between may and sept for my business. now as we go in to oct it will get paid off nearly 90%. 

3) do you pay it in full every month? 
a) no it has always had a ballance. but i pay it way more than the minimum payment every month. 

4) why don't you delete this post? 
a) read fuck up 1. this post is exactly what i told the cops first time i talked. they have me on tape. 

5) who handles your grandmother's finances?
a) i do. i have for 3 years. i also pay half her rent out of my own pocket. plus i was paying for her food but that stopped. 

6) how did this come about?
a) we have a split family. my grandmother had 2 husbands. 5 kids with the first and 3 with the second.  team a does not like team b. so there is one member of team a that talks to b. i am in team b. well team a never comes around never helps or anything but the go between saw the credit card statement one day.  she freaks out and calls to arms team a. instead of calling me to discuss it, they take it to the cops. now team a has harassed team b for the last year saying we stole all this money.

TIFU By using a credit card and now I might be looking at prison time.