Posted by: thedianestory | September 20, 2008

Credit Cards + Tithing = What?

This is a topic that I have discussed with people in the past. I’ve debated with people over whether or not churches should have a way for people to pay their tithe on a credit card. It’s convenient. People can have auto-payments set up so they automatically tithe each month, or every two weeks, or whenever they get paid. But is this Biblical? Is this something that God would would put His stamp of approval on?

I think that while it’s convenient, it takes away some of what God wants us to realize or feel when we give.

2 Corinthians 9:7
“Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”

I think that God wants us to think about what we are giving, and that He wants us to give with a cheerful heart. I worry that if we just set up auto bill-pay, we forget what we are giving, or why we are giving. It almost feels as though we are giving under compulsion. I also feel that we lose the opportunity for God to move in our spirit. There are those times, that I’ve experienced, where I am all set to write my check, and the Lord will speak to me and say “Give more…Trust Me.” If we just have our set amount ready to be billed to our credit card, and never think about it, we may lose the opportunity to hear God speak.

Then there are the other Biblical issues in regards to credit cards in general. Now, I do not have the verses to back this up, but plenty of people have had discussions with me about how credit is not Biblical in the first place. So, you readers out there can reply and shoot some verses this way that may bring light to this subject as well.

So readers – what do you think? All opinions are welcome. Looking forward to another enlightening discussion.


  1. First things first, we need to change the mindset about the purpose of tithe. Know that God doesn’t need our money even though it is used to support the church’s functioning. God is God and can supply the church’s needs anyway he so chooses. However, the underlying purpose of tithe is to learn to fear and trust the Lord in all things. (Deuteronomy 14:22-23)
    Paul says in 1 Corinthians 16:2 that we are to set aside our tithe the first day of the week. (A deliberate act)
    Proverbs 3:9 says to honor the Lord with our first fruits.
    Credit card use shows we do not trust that God will meet our needs. We are putting our trust in the card instead by borrowing the money. Furthermore, borrowing is based on the assumption that you will be able to repay the debt in the future, but how can we know what tomorrow holds? (Proverbs 27:1 & James 4:13&14)
    Romans 13:8 Says to owe no man anything this includes credit companies.
    I can go on but then it would be a post in the comment. But with just those verses, how can we say that using a credit card to pay tithe is okay? Breaking it down we are basically borrowing to give God our first fruits which clearly would not be pleasing to the Lord. Tithing and offerings need to be a deliberate act of worship to the Lord.
    I’ve got more if you need. 🙂

  2. You make me smile, so… I have given you an award. Stop by my blog and pick it up.

  3. no, no, no, no. yikes. can i just ditto what mama reg just said? please.

    not everything has to be easy, but writing a check or putting $10 in an envelope isn’t that hard. tithing is supposed to come FIRST before anything else. you get paid, you pay tithing. then you pay bills, rent, buy food, etc. God cannot fully bless you unless you pay your tithing.

    i fully agree as well that paying anything via credit card is a horrible mistake. i love that mama reg also mentioned that.

  4. God doesn’t want anything to do with our debt! I fully believe he wants us to be financially responsible! Tithe should come first before everything else. It shouldn’t break us, but it should be an amount that comes from the heart that we feel is fit and deserving. Physically placing it in the offering plate is the reminder we need that it’s all his in the first place and we need to give some to him as thanks for what we don’t surrender! Those are my thoughts!

  5. I’ve stewed over this post to your blog for quite some time now. Tithing is an interesting concept that differs from church to church. It all depends on what your church says. In my baptismal covenants I promised to pay a full and honest tithe. Tithe meaning 10% of my increase. That is deifnately an old testament concept. Tithe to most church goers now means “offering” and its whatever you feel you have to give. Unforunately the differences in the concept of offering vs tithing is HUGE. Lots of contemporary churches ask you to “pledge” a certain amount of $ per year and they keep track of what you give each Sunday towards that. Some people only give what they have left-over after paying bills, rent, buying groceries, etc. Thats not paying a full and honest tithe. Tithe is supposed to be first and formost. No God doesn’t need our $ and some churches surely don’t either, but its been spoken so therefor I will follow. Honestly I think people might want to think about tithing a little bit more before handing in $5-$10 each Sunday. We wouldn’t have anything had it not been for the Saviors gift to us. We are forever indebted to the Savior because of the Atonement. Maybe we should consider tithing a small form of paying or debt to him??? I must go blog now.

  6. oh i forgot to mention that i CAN pay my tithing via online bill pay. if i sent it up. i haven’t. i think that is a better way, than credit. but your church has to be quite large to be able to do this i’m assuming. i’d still have to fill out a tithing slip and turn it in, in an empty tithing envelope. so…for now i write that check and fill out my tithing slip and turn it in together, since i don’t think its that hard. but since this actually pertained i thought i’d tell you for some people tithing can be made “simpler” via the little online bill pay option through your bank.

  7. I think the online bill pay is interesting and not necessarily wrong – since you are having it come out of your checking and not charging it. I don’t think people should put a tithe on credit because many people end up no paying that off instantly, thus going into debt to pay a tithe – thus you miss the WHOLE point.

    I am tired now, but will be writing a follow-up blog on this topic with the thoughts swirling around in my head. Sleep is calling me now….

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