Christian Finance: Living on Credit

Some Christians worry that being in debt is a sin. Well, my Bible doesn’t say that. In fact, Deuteronomy 28:12 and 13 says:

“The LORD shall open unto thee his good treasure, the heaven to give the rain unto thy land in his season, and to bless all the work of thine hand: and thou shalt lend unto many nations, and thou shalt not borrow. And the LORD shall make thee the head, and not the tail; and thou shalt be above only, and thou shalt not be beneath; if that thou hearken unto the commandments of the LORD thy God, which I command thee this day, to observe and to do them.” (KJV)

So, unless God wants us to lead others into sin by lending to them, debt is not a sin. I also think it goes without saying, however, that it isn’t God’s choice for us. That verse is from the first part of Deuteronomy 28 where the blessings are listed. The last part of the chapter talks about the curses. In verse 44 we find the opposite of the blessing:

“He shall lend to thee, and thou shalt not lend to him: he shall be the head, and thou shalt be the tail.” (KJV)

Apparently, while God doesn’t consider borrowing money a sin, he does consider being in debt a curse.

I actually believe that using credit is displaying a lack of faith. When I use a credit card to go into debt, becoming the tail and not the head, I’m trying to provide for myself and showing my lack of faith that God will provide.

If I’m truly living by faith, then I will be willing to wait for God to provide.

“But my God shall supply all your need according to his riches in glory by Christ Jesus.” – Philippians 4:19 (KJV)

Do I really believe that? We are told in three different places in the Bible that the just shall live by faith. (Habakkuk 2:4, Romans 1:17, and Galatians 3:11) Obviously, this must be important to be repeated three times.

What does it mean to live by faith? Living by faith means trusting that God will always provide what is best for your life. Living by faith means depending on God for his provision and not interfering by going into debt. Living by faith cannot possibly include being in debt because, as we saw in Deuteronomy 28:44, God considers it a curse to be in debt.

If I am to live by faith, then, I have to first of all decide that I am going to get out of debt. Then I have to take action toward becoming debt free. After all, faith without works is dead.

Faith has to be a living, active thing in order to produce fruit in your life. You have to decide once and for all to rely on God for your provision. You have to get rid of “Plan B” and destroy your credit cards. Then put your trust in God that he will lead you out of debt.

I originally wrote this article for Ezinearticles. Article Source:

2 comments for “Christian Finance: Living on Credit

  1. October 28, 2011 at 1:43 am

    about 3 years ago we paid off many of our bills and our score should be better then 530, however I guess the credit bureau has better things to do then change peoples scores. Because you can’t hardly tell we did a thing. Well we live in a large older home and window air conditiong is not working to keep us cool….We are a christian family and I want nothing more but to clean up my credit and get Central Air in the house. I think I could refinance I found a company that, but I don’t want to add that much on to our home mortage.

  2. November 14, 2011 at 10:35 am

    I would strongly recommend you order a copy of your credit report from all three credit bureaus and go through them with a fine-toothed comb. It is incredibly common to have errors on your credit report that can damage your credit score. You can get an annual copy of your credit reports for free from

    If there aren’t any errors, it could be that you have negative marks that are still on your report (many remain on your credit for 7 years) that are contributing to your low score. If you have paid off everything, and have no open credit cards or accounts anymore, that can actually hurt your score. You then have to decide if you want to play the credit game in order to build up your score, but realize that you run the risk of getting into a pinch, running up your credit cards, and getting yourself right back into the same mess all over again.

    Depending on when you purchased your home, and what your current interest rate is, you may be able to refinance and purchase an HVAC system without really adding anything to your mortgage, since interest rates are so low right now. Another option to look into is an energy efficiency rebate from the government for a new HVAC system.

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