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The credit card has become a common means to purchase goods.  In America and even around the world, the credit card is a useful tool to not only pay in expediency but to also purchase and pay later. It was designed so that the consumer could purchase an item while simultaneously allowing the debt that they owe to be paid for by the institution that they are borrowing from.  However, there is a catch as it relates to credit card usage.

The use of any credit card will involve the following stipulations:

1. Every lending institution offers an interest rate –  This means that upon purchase, the lender applies interest which is based on the fact that the borrower is using their service. You can think of interest as a surcharge that is instituted throughout each month of the billing cycle. An interest rate gives the lender a percentage of money in return.  If a person’s creditworthiness is exceptional then they will benefit from a lower interest rate which means the lender yields less of a return.  However a higher interest rate is based on a person’s lack of creditworthiness, meaning that the lender will earn more in interest.

2. The consumer must pay the lender back for the debt owed – Upon every purchase, the institution expects that the borrower pay them back in full for the service rendered.

While a credit card may be a useful tool in a moment of emergency or even convenience, it can be dangerous to ones financial health depending on how it is used. If you look at the credit card in its essence, it is nothing more than an opportunity for lenders to take advantage.  While you pay and owe a debt, they incur revenue from the interest rate and your debt that is paid.  However, there is one such individual who does not operate as a common lender does, and that is Jesus Christ.

In 2 Corinthians 5:21, the Apostle Paul states the following about Jesus Christ:

(NIV)“God made him who had no sin to be sin for us, so that in him we might become the righteousness of God.” 

Jesus Christ was not only given as a sacrifice in the place of you and I, but He essentially became the sin that emanates from our very existence.  All of us were born into sin because of the disobedience of Adam & Eve.  As a result, we carry the same lineage that was passed down through their actions.  The bad news is that because of our lineage, we have become products of Adam & Eve which also means that we inherit the consequences because of our sinful nature.  The consequences are that of a life that is destined for destruction because of our sinful state.  However, there is great news for you and the rest of humanity.

There is a term which is called “The 2nd Adam.” As the Bible records, Adam did not follow God’s original order which was not to eat from the tree of the Knowledge of Good & Evil.  However, because Eve ate from the tree and Adam followed her, sin entered into the world through Adam & Eve but primarily because of Adam’s disobedience.  So, as a result, sin became a by-product of Adam’s actions which set in motion the consequences of sin.  The term, “The 2nd Adam” comes into play when Jesus Christ is introduced as the savior of the world’s sin.

Essentially, Jesus is called the 2nd Adam because He is the alternative to the 1st Adam. To get a better picture, the Apostle Paul explains the difference between the first human which was Adam and Jesus Christ.  In Romans 5: 12-17 Paul says the following:

(NIV)Therefore, just as sin entered the world through one man, and death through sin, and in this way death came to all people, because all sinned — To be sure, sin was in the world before the law was given, but sin is not charged against anyone’s account where there is no law. Nevertheless, death reigned from the time of Adam to the time of Moses, even over those who did not sin by breaking a command, as did Adam, who is a pattern of the one to come. But the gift is not like the trespass. For if the many died by the trespass of the one man, how much more did God’s grace and the gift that came by the grace of the one man, Jesus Christ, overflow to the many! Nor can the gift of God be compared with the result of one man’s sin: The judgment followed one sin and brought condemnation, but the gift followed many trespasses and brought justification. For if, by the trespass of the one man, death reigned through that one man, how much more will those who receive God’s abundant provision of grace and of the gift of righteousness reign in life through the one man, Jesus Christ!”

What Paul is saying in the above scripture is that death and condemnation are the result of the 1st Adam or the original human who sinned.  It is because of Adam’s disobedience that we are all born into sin.  This means, our destiny before Jesus Christ was to accept eternal damnation because of our sinful state.  However, once Jesus Christ came and was sacrificed on the cross for our sin, it was His death and resurrection that turned the tide of the original condemnation.  In the above scripture, it is apparent that Jesus is the one who gives life rather than death.

So, the principle of “The 2nd Adam” is that Jesus Christ broke the chain of sin and condemnation when He died on the cross.  It was because He became sin for us and he took my debt and yours, we no longer have to live in condemnation nor are we doomed to destruction.  Just as the lending institution takes the payment of what we wish to purchase, Jesus Christ has done the same thing.  The difference however between lending institutions and Jesus Christ is that we are not obligated to pay back the debt.

Creditors have the position of receiving your pay once the billing cycle begins so they can be paid back (with interest) in return for their services.  However, the great thing about Jesus is that He paid a debt that you and I owe.  Since we were all born into sin, the original judgment was and is that we would be condemned.  However, the alternative is that Jesus Christ became the substitute for the debt that we owe.  The Bible says in Romans 3:22 that through faith in Jesus Christ we are made righteous.

You have an opportunity to be made righteous because of Christ.  We are not saved by works or trying to be a “good person”.  We are saved by grace and every human has an opportunity to be saved.  As long as humanity remains in its sinful nature and disobedience, then of course we shall not experience an escape from destruction.  While Christ’s sacrifice took the debt that you and I owe, it is still up to us to make a decision to repent.  By repenting of our sin and turning away from it, then the power of sin is no longer effective in our lives.

If you haven’t accepted Jesus as your personal Lord and Savior, take the time to accept this gift of life.  It doesn’t cost you anything to accept this gift.  The only thing you must do is ask for forgiveness, turn from your sin and live a life that is pleasing to God.  The gift of life has already been paid for on credit through Christ.  In return, you will have a life that is full of abundance and eternal security.  Choose life by accepting this precious gift. For those of us who have already accepted it, we are the beneficiaries of this gift of life. It is open to all who will receive.  Choose Jesus Christ and find out what this gift of life can afford to you if you are willing to accept it.

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