Plastic First Fruits
#1 Guest_Marvin Harrell_*
Posted 12 January 2011 - 01:19 PM
#2
Posted 12 January 2011 - 01:43 PM
#3
Posted 12 January 2011 - 02:59 PM
I won't use credit cards for charitable donations of any kind. It really isn't FIRST fruit, is it?? I guess maybe if it's the debit card
I probably wouldn't use a credit card for such giving for two reasons: 1) They charge interest if you don't pay off the card each month for some reason & 2)to me, it seems less personal, more like a bill to be paid. If I sit down and write a check, I'm purposely setting aside that money in our bank account for that ministry, not just letting them bill my card a certain amount. I don't believe it's wrong to use cards in our giving, but it's not my style.
#4
Posted 12 January 2011 - 03:48 PM
Under the New Covenant, it seems that God cares more about the attitude in our hearts when we give than the percentage or amount that we give. Therefore, I don't think He would be offended by someone who gives plastic first fruits.
#5
Posted 12 January 2011 - 04:01 PM
I thought about it a lot. Didn't like the idea of the charge to the church for the credit card use. But there are people who would welcome it. And it's not a bad idea to make donations easy. I don't think cash is really going away. Unless our country fails totally economically.
On line giving is a fine idea. But many older Christians won't use this. But there are so many young couples in our church now. Seems to be the largest growing group in the church. They might be attracted to this.
I don't think there is anything Biblical against either of these ideas. In accepting checks you are accepting credit, are you not?
I think it's fine, if the church agrees to it.
Personally I'll keep using my checks.
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#6
Posted 13 January 2011 - 01:03 AM
#7
Posted 13 January 2011 - 02:39 AM
Is it wrong to tithe when you know that you won't won't make rent?
Is it wrong to tithe borrowed money?
Is it wrong to tithe money that could have paid off a debt?
Is it wrong to tithe when you are in debt?
hmmm..
#8
Posted 13 January 2011 - 09:57 AM
Interesting questions, Dan. Several years ago, Christianity Today ran an article explaining that under certain types of bankrupcty agreements (the kind where you are required to pay back a portion of what is owed to creditors), the debtor is prohibited from tithing (or giving to charity) until the remaining debt is paid off. I believe this was actually a U.S. Supreme Court ruling, but I would have to check.Is it wrong to tithe using a credit card?
Is it wrong to tithe when you know that you won't won't make rent?
Is it wrong to tithe borrowed money?
Is it wrong to tithe money that could have paid off a debt?
Is it wrong to tithe when you are in debt?
hmmm..
I have gone through very difficult financial situations when I faithfully tithed and later had to use my credit card for groceries and gas because I had no cash left after tithing; the amount I put on my credit card for those necessities was often the same amount of my tithe. During a particularly difficult financial time, I was attending a church that would constantly present testimonies of indigent people who tithed and immediately afterward, they were showered with money. I kept wondering what I was doing wrong.
Am I saying that God doesn't bless those who faithfully give? Absolutely He does! At the same time, I think it's important to remember that God's blessings for obedience are not always material or financial. I have also seen God provide for me in amazing and unexpected ways no matter what my situation was or how much I was able to give to His Kingdom. He is good, all the time! I think the bottom line is to live a lifestyle of generosity whatever our circumstances happen to be - such a lifestyle flows naturally from an intimate relationship with the Lord.
#9
Posted 14 January 2011 - 06:10 AM
We also give to some ministries using electronic withdrawal from our checking account. But we pray for these ministries regularly and when we get their letters.
I think the value and the danger of credit cards comes from how you use them.
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#10
Posted 15 January 2011 - 03:01 PM
Our church doesn't use either, but most of the older people wouldn't use them anyway. It probably will come about eventually, as countries are moving away from cash. Sweden (I believe) is planning to totally phase out cash in 5 years. Governments want to keep track of everything spent and earned so they can collect tax on it! There is already a war going on between banks and government - Chase is shutting down all diplomatic accounts rather than file the reports the US government wants on them!
However, cash won't totally go away here soon because of our poor electronic infrastructure and the huge fees credit card companies are allowed to charge for their services. The fees would make small transactions totally unprofitable.
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#11
Posted 15 January 2011 - 08:32 PM
Credit cards paved the way for an an entire generation of debtors struggling with 15%+ interest rates.
As far as church giving goes, I would recommend encouraging scheduled, online giving instead.
Almost all biblical financial stewardship programs teach budgeting, and that giving should occur within a budget structure. Scheduling online giving fits very naturally and rationally within that structure.
On the other side of the coin, plate giving (as in passing the plate), has several problems:
- People only give when they attend.. Many of us travel extensively. I've heard it said that about 30% of the people in my city have jobs that may require that they work on Sunday. Why would we exclude them from giving? Attendance goes up, so does giving. Any wonder that churches are driven to be large?
- As churches grow, the amount of CASH collected can be significant. I'm really amazed that we don't hear of more issues with theft of cash between collections and deposits. The risk associated with having cash floating around is not very attractive to me.
- Processing donations such as checks to ensure that reciepts are properly disbursed is time consuming and prone to mistakes. Cash is impossible to reciept unless it's put in giving envelopes (another expense). Electronic deposits handle all that automatically, the reporting is done by a robot. Tracking is cheap, accurate and automated.
- The process of tracking donations given in the plate means that someone in your organization knows who gives how much. The existance of that information in the walls of the building creates the temptation to use the information for improper means.
All said.. If a church is going to support electronic giving, skip the credit cards, encourage e-giving.
#12
Posted 28 February 2011 - 06:56 PM
Something about using a credit card to pay your tithe kind of rubs me the wrong way.
I see the use of a debit card a much better option as it comes straight from your checking account.