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A Debt is a Promise to Pay

When you swipe that card for coffee, tennis shoes, or a new TV are you thinking, “I promise to pay you back?”

Credit cards are a convenience with a responsibility for those who use them. They come with a vow – a promise that we will repay. All loans come with that same obligation.

The way we handle money is the clearest reflection of our spiritual value system. Excessive debt, even bankruptcies, are often the external indicators of internal spiritual problems. Now, at times, enormous medical expenses, job loss, and natural disasters can create …. But, by and large, we are called to live on what God provides -never assuming we know our own future.

Many are quick to borrow today and thereby deny God the opportunity to provide. They miss out on His blessing and the sanctification that comes through waiting on Him, or the experience of seeing the body of Christ help in time of need.

The apostle Paul told the Romans to “Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.”

David, in Psalm 37, said, “The wicked borrows and does not pay back, but the righteous is generous and gives.”

Scripture has so many principles dealing with borrowing and lending, and especially the misuse of credit. Christ came that we might have life and have it abundantly! And, that is found when we trust Him and live by His principles.

If you’re struggling with overwhelming credit card debt right now, I want to tell you that there is hope. We have partnered with Christian Credit Counselors, a non-profit, biblically-based organization just like us, that can help you consolidate your loans and lower your interest rates. And the first step is easy! Just visit to learn more and get started with a FREE debt analysis.