Earth or Eternal Credit
Do you have a good credit rating? Do you want a good credit? What is the big deal with having a good credit or bad credit rating? What is the big deal with having a good or bad credit rating? In our current business oriented world having a bad credit rating or history can stall your progress in life. Life will be extremely difficult from renting a place through getting a job to obtaining a new loan. Most importantly starting your own business may be a herculean task because you will be limited in initial capital acquisition from bankers or creditors. Consequently, many people in order to stay qualified for loans meticulously avoid the setback of bad credit by doing all in their power to maintain a good credit. Interestingly, as human beings our stay on this earth is ephemeral but the world system compels us to seek good credit on the earth so that we can invest in the system generating wealth to make life better. The perception is that the upshot of good earth credit and better life guarantees a good earthly destiny. Nevertheless, to make life consequential, commemorating and interminable there are two types of credits you and I need. The two types of credit systems are earth credit and eternal credit.

Earning God’s Credit
The earth credit which is physical in nature (provided by man) may determine our earthly destiny. The eternal credit most important of the two credit systems is spiritual in nature and is the determinant of our eternal destiny. This type of credit comes from God. Unfortunately, most people in the world are anxious to get good earth credit and are indifferent or reluctant towards obtaining good eternal credit a provision of God. Now, why is this eternal credit so important? Explicating on this issue I would like to say that every human once born into this world already has a bad eternal credit because of an inherent spiritual debt. You and I know that debt emerges as a result of money or something owed that could not be paid. Next, why is that all humans enter this world with a bad eternal credit? The answer is simple: because of the sin committed by Adam and Eve in the Garden of Eden? Sin committed by these two personalities became debt which encompassed all generations. Know that sin is a form of spiritual debt. Adam and Eve by their act incurred a spiritual all-encompassing debt with predisposition to affect all generations after them including you and me. The bible says in Romans 5:18 that “Therefore by one man’s sin judgment came to all men, resulting in condemnation even so by one Man’s righteous act the free gift came to all men, resulting in justification of life. For as by one man’s disobedience many were made sinners so also by one Man’s obedience many will be made righteous”. Once again, sin is a spiritual debt which cannot be redeem by a physical or tangible means. No amount of goodwill to our fellow man or woman can redeem the debt of sin incurred inherently by every human being from Adam and Eve’s sinful act. There are some who believe their good works can be credited towards their sins committed everyday. God’s credit towards you and me to redeem our debt of sins is not earnable through our good works. It is freely given through Christ alone. Truly, since you and I were born the spiritual debt on our lives has been increasing exponentially with time because of daily sins. Know that man and sin are inseparable without Christ in the equation. Solomon puts it this way in Ecclesiastes 7:20 “For there is not a just man on earth who does good and does not sin”. Our spiritual account the determinant for eternal life or death is saturated and threatened by sin. The good news is that God through His Son Jesus has paid for the spiritual debt of you and me and in addition is crediting us with righteousness. All we need to do is to acknowledge and receive this act of kindness from God by first accepting the fact we owe the debt of sin and we cannot pay. Secondly, we have to believe and confess Jesus as our creditor and that He alone has paid for the debt we owed and could not pay. It is an undeniable fact that Jesus our creditor and advocate has paid for our debt of sin we inherited from birth. Now, by taking the two aforementioned steps of belief and confession, your spiritual account will be cleared of the debt of sin (debit of sin) and in addition you will be credited with righteousness. As in fiscal accounting where debit can be turned into credit, your spiritual account will be changed from debit to credit. Let me give you three biblical texts that document this issue of being credited with righteousness once you accept Jesus and decides to live for Him. The bible says in Galatians 3:6 that “Abraham believed God and it was accounted to him for righteousness”. It says also in James 2:23 that “And the Scripture was fulfilled which says, “Abraham believed God, and it was accounted to him for righteousness.” And he was called the friend of God”. Then it says in Ezekiel 18:20 that “ The soul who sins shall die. The son shall not bear the sin of the father, nor the father bear the sin of the son. The righteousness of the righteousness will be credited to him, and the wickedness of the wicked will be charged (debited) against him”.
The Decision Is Ours
My dear friend or fellow Ghanaian reading this article please reflect on the issues discussed in the article so far and make a decision. And if you have not received God’s free credit I would like to encourage you to take the necessary steps to get this free credit. You do not have to work to get it like you have to do to get a good credit on earth. Now, if you have a good earth credit, thank God for that. But what you seriously and urgently need is God’s credit which will secure your eternal destiny. We have only two options for our eternal destiny: Heaven or Hell. Which one do you want? I believe you don’t want an eternal destiny in Hell. God’s free credit through Jesus alone is what can grant you eternal destiny in Heaven. All you need to do like I said before is to accept Christ and be determined to live for Him. Tomorrow might be too late so hurry and get yours. You don’t need an attorney, bankruptcy lawyer, an advocate to help you get this free good credit from God. Jesus is your creditor, advocate and through Him alone can you have this good credit from God. Abraham and David in spite of their imperfections believed God and so received the credit of righteousness and secured a place with the Father in Heaven. There are many of us who have been condemned, disgraced and rejected by society because we are drug addicts, fornicators, adulterers, sexual perverts, gays, lesbian, armed robbers, trouble makers, prisoners. I have good news for you. I want you to know that you qualify for this free credit from God if only you will accept Jesus today and determine by means of the Holy Spirit to live for God. Once again, you don’t need any earthly qualification to get this credit. Though you have difficulty in the purchasing of a car, a house or even getting employed because of bad earth credit yet don’t worry. You can have eternal credit free from God which ensures that when you die you will have a place with the Father in Heaven. Make the decision today and you would be happy you did after you die. God bless you.

Charles Horace Ampong
International Central Gospel Church Chicago
www.icgcchicago.com / www.charliepee.blogspot.com