Published: Friday, Feb. 24 2012 2:00 p.m. MST
Wow. Nothing about how credit cards can be used wisely. I use my PayPal one to
get points and stuff I can use toward future purchases. My husband will be
getting one with airplane miles so we can use those when he travels to grad
school interviews. We only buy things we have the money for and (depending on
the card's policy), pay them off right away when we get home. We treat it like
cash, not a wish. And we always pay the full balance. You've spent it already,
so might as well pay it off. Plus, paying the minimum only leaves you with more
to pay later and we don't want any debt.
âAs Christians, we are no longer slaves to sin, but slaves to
righteousness â to God,â God has given us all free
agency- or the freedom to choose for ourselves. Choosing to repent and follow
His ways is not appropriately described as enslavement. I don't think Humphreys
meant anything more than that we essentially 'tether ourselves' to God's law
instead of being slaves to debt, etc. I just feel it is important to clarify
regarding this distinction.Is debt a sin? No. I may borrow a dollar
and pay it back in 20 minutes. I have not sinned in doing so. But do some people
make unwise choices and place themselves in situations that hinder their ability
to choose freely- placing themselves in a position where they have given up the
freedom that God has given them- where they are hindered in their ability to
adequately serve their faith, help others, or provide for their family- are
these situations a reality for many? Yes. Does this 'enslavement' equate to
responsibility? No. Is it morally wrong to place yourself in a position that
only brings pain and suffering? Yes.Would I call it a sin? Yes. Have
I been in debt myself? Yes. The great thing about God isn't that sin exists, but
that repentance and mercy do.
Spending using credit cards is not a sin. Living beyond your means, wanting
things that you are unwilling to wait for, feeling you are lessor because you
don't own something, all degrade the soul. Credit cards are just an ends to a
means, a path, a symptom, not a problem or a solution.
Not a sin, but it's dumb to use them when you know you can't pay them off.
Stupid does not make a sin.
"Stupid does not make a sin."Esquire, while in many cases
I'd agree... the only reason I think otherwise here is that debt usually affects
those around you. If one gambles, abuses the responsibility given them, or is
reckless financially- these things constitute as doing something morally wrong.
Pulling a trigger isn't wrong, but when it is pointed in another persons
direction, that answer may change. Going in debt isn't wrong, but when it
directly hurts others then the choices that person made were wrong.
On the one hand "And finally, I cannot tell you all the things whereby ye
may commit sin; for there are divers ways and means, even so many that I cannot
number them" (Mosiah 4:29). On the other hand, being in an untenable
financial situation is hard enough without being judged - even if you are the
one judging yourself. Of course we need insight into how bad an idea it is to
buy stuff on credit when you can't afford to pay that bill at the end of the
month, and if we do it habitually we may need an emotional slap in the face to
realize how badly we need to stop that behavior. But if we're already
despairing, that emotional slap can be the thing that breaks us down so that we
become unable to deal with the problem. The question shouldn't be "Is it a
sin?" but rather "How can we turn things around and start being more
In the land of entitlement, where we all want mcmansions and boats in the
desert, the credit card might is small potatoes. Almost no one expects to own
@ A voice of Reason, a theoretical argument does not make it a universal
reality. I'm not condoning debt by any means. Like Paul McCartney said in a
recent article in Rolling Stone, "Don't get under an obligation to anyone
ever. If you need anything, wait until you can afford it, then get it."
I'm just saying that elevating it to the level of sin is moralistic and
theological nonsense. There are potential implications to everything we do. I
could go for a drive and it could have an effect on someone else. If you don't
believe in using cars and your view deems driving a bad thing, does it make it a
sin? You can see that the whole thing starts getting absurd, and trying to
label behavior, including stupid behavior, as a sin is just plain ridiculous.
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