Should I do it?! (Long story)?

• wire money online with credit card
• credit card loan
• bad credit secured loan lenders
• night sickness
• third party payment processors

Ok, so I suffer from bipolar disorder and anxiety. Rarely go out with friends as I live so far away. Have a friends party this Friday but have just enough money to get me there, few drinks, and get me home. But I want to make a night of it as I hardly get to do it due to illness and stuff etc.

I owe £400 to a payday loan company (I know it's pathetic, blame the bipolar) which I can't afford to pay in one go, but luckily they've happily agreed to freeze the interest and I pay £100 per month back. I am also entitled to access £80 credit.

So my question is, (I know it's stupid) may aswell I take the remaining credit and add it on to my bill to them so I can have a care free night for once in my pathetic life?


I know it's a contradictory, ridiculous and potentially a 'no brainier' but sensible answers please. :)

Should I do it?! (Long story)?