We live in a credit world. This means what we call money is really debt. The bible says we need great wisdom to deal with this reality (see Revelation 13:16) where the enemy causes all men - rich or poor - to choose whom they'll serve - the god of the world or the one True God. The bible is also clear that the borrower is servant to the lender so understanding credit and how to use it requires constant and ongoing knowledge and collective wisdom to make decisions on when to use it, how to use it, why to use it, who should use it, so we are living moment to moment guided by the Holy Spirit, covered by the Blood of Jesus to know and discern the heart of our Heavenly Father of each of our lives!