1. Please pray with me: May the words of my mouth and the meditation of our hearts be pleasing in Your sight, O Lord, our Rock and our Redeemer. Amen. Everyone wants to have a perfect credit score so that they can buy what they want, when they want it. But, in God’s Word the Apostle Paul reminds us that we can’t earn God’s favor or get ourselves out of our spiritual debt of sin. Instead, we need someone to get us out of our spiritual debt and punishment. The message from God’s Word, this 2nd Sunday in Lent, is taken from Romans 4:1-8, 13-17 is entitled, “Perfect Credit,” dear brothers and sisters in Christ.
2. We Americans live in a nation obsessed with credit. We hear it everywhere: “Buy now. Pay later.” We are told that a perfect credit score opens doors, grants privileges, and makes life easier. So, we borrow for cars, homes, education, vacations, and even daily purchases. And for many, the bills pile up, the interest grows, and the debt becomes overwhelming. It’s no wonder someone once joked, “I owe, I owe, so off to work I go.”
3. But Scripture tells us that there is a far more serious debt than any mortgage or student loan—our debt of sin before God. And today, in Romans 4, the Apostle Paul brings us the astonishing Gospel: God gives us perfect credit—free of charge—through Jesus Christ.
4. Our Spiritual Credit Report: Bankrupt Before God Paul’s words strike us right between the eyes. “All have sinned and fall short of the glory of God” (Romans 3:23). Every one of us is born with a spiritual debt. Original sin puts us in the red from the very beginning, and our daily sins add to the balance. Think of it this way: God has run a credit check on each of us. And the results are grim. Our accounts are filled with selfishness, pride, impatience, envy, unkind words, and loveless thoughts. We are, spiritually speaking, bankrupt.
5. And like anyone buried in debt, we desperately try to fix the problem ourselves. We try payment plans: good works, religious activity, generosity, moral living, and church involvement. We try to convince ourselves—and sometimes God—that we deserve a little grace. But Paul makes it clear: You cannot pay this debt.
6. Abraham’s Secret: Faith, Not Works. Many in Paul’s day thought Abraham must have had a spotless credit history with God. After all, he obeyed, sacrificed, trusted, and walked faithfully. Surely Abraham earned heaven! That notion began to grow in their minds, and they applied that flawed thinking to themselves. “If Abraham could earn heaven by his good deeds, then I must be able to as well; after all, I’m a descendant of Abraham”, so the Jews thought. Now, Abraham was the father of the Israelites. He was the head of the Jewish nation and life. The Jewish people thought that since they were descendants of Abraham they had an automatic connection to God’s grace and a clean credit history in His eyes. But Paul quotes Genesis: “Abraham believed God, and it was counted to him as righteousness.” (Gen 15:6, Rom. 4:3) Abraham did not earn righteousness. He received it. He did not pay off his debt. God credited righteousness to his account as a gift. That is the heart of the Gospel. Salvation is not wages earned; it is a gift given. Faith itself is not a human achievement; it is God’s gracious work in us by the Holy Spirit.
7. God’s Ultimate Credit Advance: Jesus Christ. Now here is the miracle of grace: God does not merely forgive the debt—He pays it Himself. He takes all our guilt, shame, rebellion, and failure and transfers it to His Son. On the cross, Jesus becomes spiritually bankrupt in our place. He bears the full weight of the debt. He suffers the judgment. He pays the price in full. And then, God credits Christ’s righteousness to us.
8. It’s the greatest financial reversal in history: Our debt → His account. His righteousness → Our account. That’s what Paul means when he says God “justifies the ungodly.” We receive perfect credit before the heavenly court.
9. Priceless Grace. I’m reminded of a certain credit card commercial, it’s the one that depicts a father and son at the ball game: “A baseball hat: $8.00. One ball glove: $15.00. Season tickets: $200. Spending time with your son: Priceless.” The point of the commercial is quite simple. MasterCard makes it possible for you to enjoy the better, priceless things in life. Well, we’re able to enjoy blessings beyond anything this world has to offer! No plastic card can purchase the greater blessings of salvation. We have the Master’s Card. We have the blood and righteousness of Jesus credited to our account – that’s priceless!
10. Living on Christ’s Account. Because of this, we are card-carrying Christians—living on Christ’s account. When we confess our sins, we charge them to His forgiveness. When guilt troubles us, we charge peace to His grace. When loneliness or fear strikes, we charge comfort to His presence. And this account never runs out. God’s grace cannot be overdrawn. The balance never hits zero. His mercy is new every morning.
11. Abraham’s Faith and Our Hope. Paul reminds us that Abraham believed in “the God who gives life to the dead and calls things that are not as though they were.” (Romans 4:17 & Genesis 17) Abraham trusted God’s impossible promise of a child—and God fulfilled it. The same God who gave Abraham a son has given us His Son Jesus. And the same God who brought life from barrenness and death brings eternal life to sinners.
12. Dear friends, we come before God with perfect credit, not because of who we are, but because of who Christ is. Our debt is paid. Our record is clean. Our future is secure. Trust in God’s promises. Believe in Christ. Rejoice in the perfect credit credited to you by grace. The same God who gave form and life to the universe is the same God who still gives life to us. We can now place all the debt of our sins at Jesus’ feet and trust in His grace to cancel all our debt. Trust in God’s promises. The Apostle Paul reminds us, “Abraham is the father of all the faithful, because he believed in God’s unlimited credit advance of grace.” He was given perfect credit and righteousness before the Lord and so have we. God’s grace was credited to Abraham just as it’s credited to us. Now, that’s priceless! Amen. Now the peace of God that passes all understanding, guard your hearts and minds in Christ Jesus, until life everlasting. Amen.