The movie that you are trying to identify is probably the short film, The Price of Life (1987). An article on Yahoo notes the obvious plot similarities to In Time:
In 1987, Stephen Tolkin co-wrote and directed "The Price of Life," a brilliant short film that appeared as part of the PBS series "American Playhouse." The short also popped up on at least one premium cable station in the early 1990s as between movie filler.
In Tolkin's film, each newborn is issued a credit card with a set number of years on it. The card can be used for any transaction, but when the balance hits zero, the cardholder dies.
Jim Youngs plays Zachary, a young man who learns how to wheel and deal at a very early age. Unlike his spendthrift sister, Zachary banks over 300 years in his personal account before a crisis of conscience forces him to make a life or death choice regarding his family.
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