Credit Card Christmas.

A month after Christmas and the credit card bills will be coming through letterboxes, if they haven’t already. Even with the gloomy economy and credit crunch, I cant help noticing how many people pay for Christmas with a credit card. I wonder too, how many of them will not pay the bill in full, perhaps paying only the minimum amount, getting into debt to pay for Christmas. It begins to seem like Christmas begins with credit, when it should begin with Christ

When we rack up those credit card debts at Christmas, or any other time of the year, where do we think the money we have borrowed on the card comes from? Too many of us assume credit is a right but it is not; it is a privilege granted by those who have money in a bank, which the bank then lends to the borrowers. And I think most of the money lent is not from people with fortunes held in large accounts but from those of us who have only a small amount in the bank. Perhaps only our wages paid in once a month and with little, if anything, left at the end of the month.

So please think about your Christmas credit. It might be the banks and credit card companies that make the profit but, it’s the small savers and account holders who provide the money you are borrowing. So who are you really borrowing from? Someone who probably needs the money just as much as you do, maybe even more.

Even Jesus wasn’t against borrowing and lending; when He threw the money lenders out of the temple He was taking a stand against profiteering and blasphemy, not a reasonable return on investment. This is the only account of him using physical means, although no one was hurt or assaulted. He simply tipped over the tables. (Mark 11:15–17, Matthew 21:12, Luke 19:45, John 2:14-15).?

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