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.
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Question: 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.

Answer: TIFU by not paying my bills when I was supposed to


Question: Text: all right everyone; hello. this fu didn't happen today, of course. it sort of started a while ago, back in mid november, when i was ears deep in tests, midterms, and other shit. i have a best friend, whom i've known for ages. they're in the middle of their busy period too, and we attend different universities. 

one day, we were chatting, when the subject of travelling europe was broached. now, i never really get to see them, so the idea of travelling europe was great. absolutely thrilling to travel through perhaps italy, germany, etc etc. i agreed quickly, of course. i had to apply for a visa. i had to get my funds in order. i had so much to prepare!

a week later, she calls me up. excited. giddy. she's been planning our trip for the entire past week. i, on the other hand, hadn't gone home from school for about 3 days (been staying at a friend's house) trying to complete the mountain of work i had. we talked and planned some more when it hit me.... i hadn't applied for a visa yet. 

and at this point, it was probably too late. it wouldn't come through in time. the embassy was open, but i was busy as fuck and could hardly spare time for a shower, let alone dig up travel documents and whatnot. it slowly dawned upon me that i wouldn't be able to go and apply for the visa, and i told my friend as much. we just sat on the phone, silent, for minutes on end. 

and then she snapped at me a little, saying how she had been going through a mountain of work herself, had planned for an entire week, and had been so excited to travel europe with me. and i knew it, too. 

alas, she changed plans to tour europe with other friends. she left a few days ago, and sends me photos of her in the uk, moving slowly across to the schengen countries, etc. i wish i had gone, because i know she'll always tease me about it but more than that, i wish i hadn't disappointed her so badly with that one phone call. i don't think one can ever forget that crushing silence. i could have spent new year's eve in venice with her. 

"but, our biggest regrets are not for the things we did — but, for the things we didn’t do." - lucas scott

oh, and my mother, upon hearing that i had cancelled my europe trip, said she would totally be willing to fund my entire trip. fml.

Answer: TIFU by not going to europe and disappointing my best friend


Question: Text: ok well this post may be a little tmi for some people but its not too bad and ill spare the gory details lol

well it wasnt today but new years eve were it started. im a 20 year old male and i went out on new years with a few mates to a bar. i was drinking and having a good time when i met this really nice girl, we started dancing and hooking up and later decided to go back to my place that i share with a few mates.

so we're getting down and dirty and im so excited because this is my first time and im finally going to lose the stigma of being a virgin after a long time when i start to feel this searing pain on my dick. i look down and everything seems to be alright so i continue (later would discover this was my fatal mistake) and so the deed get finished and all seems sweet.

the next few days my dick just keeps hurting and stinging when i urinate so i go to a urologists and get it looked at and turns out ive got incredibly tight foreskin and having sex really fucked it up and ive only been realising 1/3 of my bladder due to the tightness. so now ive got to go in to get circumcised when apparently if i hadnt had sex all i would of needed was some cream and stretching exercises...

Answer:
TIFU - By losing my virginity...


