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: so i'm 21 years old and i have a department store credit card that has a limit of 12,000. i have no idea why anyone would give a 21 year old that high of a credit limit but i wasn't complaining. 

when i found out my balance was over 3 grand on the card, i stopped spending money on that card and i'm trying to pay it down. there was one month where i was out of work for a little over a week because of the flu/bronchitis and couldn't afford all of my bills so i neglected the card. i kept on only paying the past due and was never current on my card so now i have to pay 411 dollars by february 13th or the card is going into collections ruining my almost perfect credit score. 

i know this isn't what's usually posted on this sub but i feel like a complete dumbass for not paying that damn bill.

TIFU by not paying my bills when I was supposed to