Well Ladies and Gentlemen, I’ve said it before and I’ll say it again.

There comes a time in all of our lives when maybe just need to reconsider whether the way we do things day in and day out are in our best interest.

This one goes out to all of my beloved readers who use credit cards on a regular basis without carrying a balance from one month to another.

After all, isn’t that the best way to use them?

You use the card to gas up, or pick up some groceries.  Maybe you go out for the mastication of vittles at one of those fine dining eateries where you can order queso for the whole table on occasion and put it and a healthy tip for your server on that card.

At the end of the month, you pay the whole balance off.

In the process, you earn cash back, airline miles, points, or some other incentive through whatever rewards program the issuing bank offers you for using their product.

By paying that thing off every month, you don’t incur any fees or finance charges.

You’ve got it figured out.

Maybe you know that the issuing bank is getting their pound of flesh elsewhere as a result of your good behavior.  Maybe it’s lost on you that the rewards programs you’re benefiting from are funded by the struggles of others who use the same bank’s card and don’t pay off the monthly balance.

Maybe it’s just occurring to you now that you’re benefitting from the struggles of others.

Set that thought aside for just a moment and consider the fact that by using a credit card, you’re borrowing money from someone on a regular basis to make your life a little easier.

Consider the fact that the entity loaning you money via your credit card on a regular basis to make your life a little easier expects you to pay it back in full.

I ran across something in my daily reading this morning.

I’ve read it several times before, but for some reason, it resonated today.

It came from Luke 6:34. 

“And if you lend to those from whom you expect repayment, what credit is that to you? Even sinners lend to sinners, expecting to be repaid in full.“

Read that last part again.

“Even sinners lend to sinners, expecting to be repaid in full.“

What does that mean?

Does it imply that the mere act of participating in such a transaction will make you a sinner?

Or does it mean that the act of participating in such a transaction is a characteristic of sin?

Either way, sin is part of the equation.

Here’s a helpful tip.

The next time you write a check to the credit card company to pay off your monthly balance, write “Luke 6:34” in the memo section.