Following the loss of his mother in a car crash, T.J. (Devin Brochu) falls into a state of depression. He becomes obsessed with the car his mother died in and follows it when it is towed away. He and his passive, depressed and pill-taking father Paul (Rainn Wilson) live with T.J.'s grandmother Madeleine (Piper Laurie), where they are soon joined by a squatter, Hesher (Joseph Gordon-Levitt), a foul-mouthed, tattooed, heavy metal-loving lout.
After school, Dustin, a bully from the towing service, finds his car vandalized and blames T.J., who is saved and taken home by Nicole (Natalie Portman), a grocery store clerk. Hesher witnesses Dustin attacking T.J., but does nothing. Later, Hesher sets Dustin's car on fire, leading to police questioning T.J., but lack of evidence forces them to let him go. T.J. proceeds to spy on Nicole at the grocery store when Hesher appears and follows her home with T.J. She causes a fender-bender and is verbally assaulted by the other driver, when Hesher comes to her rescue by threatening him. He then takes Nicole and T.J. to a random house that is for sale. There, Hesher trashes the swimming pool and lights the diving board on fire before he shocks Nicole and T.J. by leaving them there alone. When the pair get back to Nicole's broken down car, it has a ticket in the window, at which point Nicole breaks down and cries about how bad her life is.
Later that night, T.J. and Paul get into an argument over dinner. Madeleine is saddened that there is 'nothing she can do', and goes to her room. Hesher says he'll walk with her in the morning, but the next morning, he finds her dead. T.J. steals his dad's credit card and takes money to buy the car back, but is told it's been removed. He decides to give the money to Nicole, but when he gets there she is having sex with Hesher, so he damages his van while telling both of them he doesn't want to see them again and leaves.
He threatens Dustin at his house and finds out the car was taken to be crushed. Dustin begins attacking T.J. until Hesher, who has been following him, appears and drags Dustin off him. T.J. tells him he still doesn't want to see him again and then goes to the junkyard. He climbs in the wrecked car and sleeps, dreaming of his mother's death. He wakes up when the car is going to be crushed and falls out. He returns home after seeing it destroyed. While getting ready for his grandmother's funeral, Nicole comes and asks for forgiveness and leaves him. At the funeral, T.J. is asked to say words for her, but has nothing to say.
Hesher walks in drunk and demands that the mourners listen to him. He tells a story about how when he was younger he blew up a car and shrapnel destroyed one of his testicles, and he was upset about it until he realized he still had one and a penis that works, and that Paul and T.J. both lost a loved one but still have each other, and that he promised to walk with Madeleine, so he takes the casket. He is followed by T.J. and Paul, who join him in walking her to the cemetery.
The next day, Paul shaves for the first time in weeks and shows T.J. the compacted remains of his mother's car, which Hesher has procured from the junkyard and dumped in the driveway. On their roof, he has painted in huge white letters "Hesher was here."

Question: How does T.J. get money that he wants to use to buy back his mother's car?
Answer: He steals his father's credit card.