Should Christians use credit cards?

Definition and Historical Context

Credit cards are a modern financial tool allowing individuals to borrow money on a revolving line of credit for purchases, often tied to interest and fees. While Scripture does not mention credit cards by name, the biblical texts do address principles of debt, stewardship, and financial responsibility in multiple places (e.g., Proverbs 22:7). The reliable manuscript tradition, supported by evidence such as the Dead Sea Scrolls and early church quotations, preserves these exhortations across centuries. Though believers in biblical times did not use “credit cards,” the same scriptural principles about debt apply to all eras.

Principle of Stewardship

Scripture consistently calls believers to steward resources wisely (Matthew 25:14–30). This idea is rooted in the recognition that everything belongs to the Creator (Psalm 24:1) and has been entrusted to people to manage responsibly. Being faithful stewards includes balancing diligence in caring for one’s family (1 Timothy 5:8) with heartfelt generosity (2 Corinthians 9:6–7).

Credit cards, when used prudently, might align with good stewardship if they facilitate essential purchases and are paid off promptly to avoid burdensome interest. However, a lack of discipline can lead to accumulating debt that runs counter to biblical counsel regarding financial freedom (Romans 13:8).

Biblical Passages on Debt

1. Proverbs 22:7: “The rich rule over the poor, and the borrower is slave to the lender.” This proverb warns that owing money—or, in the modern sense, carrying a balance on a credit card—creates an obligation that can lead to financial bondage.

2. Romans 13:8: “Be indebted to no one, except to one another in love…” While this verse is often interpreted in a broader relational sense, it underscores the principle of minimizing monetary debt so that believers remain free to serve others and God wholeheartedly.

3. Luke 14:28: “Which of you, wishing to build a tower, does not first sit down and count the cost to see if he has the resources to complete it?” This passage, although spoken in the context of discipleship, points to the virtue of foresight and planning. Before accumulating credit card debt, one should ensure they have the means to repay it promptly.

Warnings Against Materialism

1 Timothy 6:10 states, “For the love of money is a root of all kinds of evil.” Credit cards can tempt individuals into unchecked materialism or instant gratification. Such behaviors may overshadow the pursuit of righteousness, contentment, and dependence on God (Matthew 6:33).

Modern anecdotal examples—from financial advisors’ case studies—illustrate that overspending, fueled by credit limits, often leads to financial burnout, damaged relationships, and anxiety. Scripture’s emphasis on contentment and trust in God (Philippians 4:11–13) stands in contrast to society’s push toward consumerism, offering a safeguard for believers to evaluate purchases prayerfully rather than impulsively.

Interest, Usury, and Lending

Biblical instructions on charging interest, especially in the Old Testament (e.g., Exodus 22:25; Leviticus 25:35–37), highlight care for the vulnerable. Though these laws addressed lending practices among Israelites, the broader principle encourages fairness and compassion in financial dealings.

Modern credit card companies often levy high interest rates, which can escalate debt if monthly balances remain unpaid. Such circumstances can diminish a believer’s ability to give generously or support other ministries (Malachi 3:10). Hence, a prudent strategy is necessary to prevent high interest from reducing one’s capacity for God-honoring financial choices.

Discernment and Practical Guidelines

1. Budget and Repayment: Creating and maintaining a budget ensures wise allocation of resources so that credit card expenses can be paid in full each month. Failing to clear the balance routinely can lead to significant interest charges and eventual financial strain.

2. Self-Control and Contentment: Credit cards should not become an avenue for impulse buying or living beyond one’s means (see Luke 12:15). Practicing contentment—knowing when and why to spend—helps guard the heart against greed and debt.

3. Accountability: Some believers find help in accountability partners or spouses who regularly review credit card statements together, affirming transparency and obedience to God’s principles.

4. Supporting God’s Work: Maintaining financial stability makes it easier to give consistently to gospel ministries, charitable causes, and local communities, fulfilling the scriptural call to generosity (2 Corinthians 9:7).

Potential Benefits for Responsible Users

• Convenience: Credit cards can make transactions smoother, especially when traveling or handling emergencies.

• Record-Keeping: Monthly statements provide detailed records that can help with finances, taxes, and budgeting.

• Security Features: Many credit cards offer fraud protection that can safeguard believers’ resources.

Potential Drawbacks and Pitfalls

• Accrued Interest: If balances are not paid promptly, the cost can escalate rapidly.

• Overextension: High credit limits may encourage living beyond one’s actual income.

• Temptation to Covet: The ease of swiping a card can foster unchecked consumerism.

Summation of Scriptural Counsel

While the Bible does not prohibit borrowing in all instances, it repeatedly stresses caution. Believers must weigh financial decisions against the call to honor God in every area of life (Colossians 3:17). Using a credit card may be helpful if handled with diligence, accountability, and reverent stewardship, ensuring monthly payments are manageable and do not hamper one’s giving or obligations.

Conclusion

Scripture’s consistent testimony—reinforced across centuries and preserved in manuscripts corroborated by archaeological and historical evidence—counsels believers to live financially free, generously, and in dependence on the Lord. Credit cards are not inherently sinful, but they pose risks if used irresponsibly or coupled with a heart inclined toward materialism.

By applying biblical principles of wisdom, contentment, accountability, and generosity, Christians can discern whether credit card use aligns with their calling to steward God’s resources for His glory.