Not too long ago my wife told me that someone we know pays their tithe with a credit card.
I pay our tithe with a debit card, but there’s a difference between a credit card and a debit card. In case you didn’t know, a debit card takes money out of your bank account. If you don’t have money, it doesn’t work. A credit card pays with someone else’s money, then you pay them back later.
The tithe is the 10% you give back to God. It’s supposed to be set aside for Him. Should you be borrowing money to do that? That doesn’t make sense to me.
Reason not to tithe with a credit card #1
Debt is bad
The Bible says that debt is bad. Proverbs 22:7 says,
… the borrower is the slave of the lender.
Basically this is saying that even though it’s not a sin, having debt in general is bad. Having a credit card is debt. Even if you pay it off immediately, for that 15 minutes after you pay your tithe on that credit card, you are in debt until you pay it off.
Reason not to tithe with a credit card #2
You’re trying to profit off of your tithe
The people who tithe with a credit card usually do it because they are either trying to get better credit, or because they get some kind of points. Probably a combination of the two. Either way you’re trying to make some sort of profit off of the tithe that belongs to God. That seems like a bad idea to me.
Would you take your tithe down to a casino before you bring it to God? Even if you promise to give all of your winnings to God, it’s still sleazy and wrong. Isn’t it the same thing if you’re doing it to get points to redeem for air miles or a cool karaoke machine? At least when you took it to the casino you were going to bring the winnings back to God.
My conclusion about tithing with a credit card
Paying your tithe with a credit card seems like it would be a bad decision because you’re trying to profit off of the money that is supposed to be dedicated to God, and because you are getting into debt by doing so, something that the Bible specifically says is bad.
This isn’t an exhaustive study on tithing with a credit card, it’s just what I thought when I heard about it. Here’s an article that gives good reasons why you can tithe with a credit card.
If you pay your tithe with your credit card, I’m not judging you. Honestly, I don’t really care what you do. But as far as I’m concerned, I’m not going to do it. Seems like a bad idea to me. If you disagree, please tell me in the comments.