You wouldn't take your life if you are a believer and we are talking here about religion. I am sure that not many people are true believers because it is hard for us to accept heaven and hell, along with God and Devil as facts. it is too fairytalish and so is the punishment for suicide. If you have done that you are not a believer and you have probably not accepted God as something real.
Raised in a Catholic home, forced to believe for the first half of my life, all I ever thought about was dying. When you want to commit suicide, you honestly believe that nothing waiting for you on the other side could be as bad as what you're going through in your life. That has nothing to do with whether or not you are a "true believer". You can know 100% that God, Satan, Heaven, and Hell are real and still risk your chances just because you're not happy here.
My personal take on this subject is that there is always a question present, rather than always an answer present. If you consider after and before life, you enter the question of time and awareness, what purposes it serves, why there is matter in the first place, etc. It is a nice way to spin the wheels and exhaust yourself.
I don't really believe in the afterlife, at least the one introduced by religion. Suicide is kind of a free choice. Of course, people who are truly happy rarely make it, If not never. So, I feel heartbroken for those who decide to kill themselves, as they are not able to handle heavy situations they get stuck in.
And please, in the name of God, for the love of God, don't ever judge them unless they are suicide bombers.
I believe that when you commit suicide, you will be punished severely in the afterlife. Suicide is against the law of God, and should never be bypassed by the law of Man. Suicide is evil. Refusal to live means refusal to learn. Earth is just a big school where all of us learn how to do good deeds.