Is using a credit card a sin?

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  • Esquire Springville, UT
    Feb. 25, 2012 10:29 a.m.

    @ 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.

  • Hutterite American Fork, UT
    Feb. 25, 2012 7:20 a.m.

    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 anything anymore.

  • Swedish reader Stockholm, Sweden
    Feb. 25, 2012 1:35 a.m.

    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 financially responsible?"

  • A voice of Reason Salt Lake City, UT
    Feb. 24, 2012 6:22 p.m.

    "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.

  • Esquire Springville, UT
    Feb. 24, 2012 5:23 p.m.

    Stupid does not make a sin.

  • TOO Sanpete, UT
    Feb. 24, 2012 4:52 p.m.

    Not a sin, but it's dumb to use them when you know you can't pay them off.

  • UtahBlueDevil Durham, NC
    Feb. 24, 2012 3:48 p.m.

    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.

  • A voice of Reason Salt Lake City, UT
    Feb. 24, 2012 3:33 p.m.

    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.

  • angela_flute52689 Provo, UT
    Feb. 24, 2012 3:24 p.m.

    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.