How Karma is a Lot Like Credit Cards



As I continue down this path of spiritual development, the one thing that continues to keep itself as a primary focus is Karma.  The more I delve into learning about it the more I started thinking how Karma is a lot like credit cards in a few different ways.  So let’s take a look here today to see just what I mean by that statement, are you ready?

Managing Your “Debt”

Karma and Credit Cards actually have a bit in common…

After losing a high paying job I had to lean on my credit cards for a while and thus I also had to learn how to properly manage that debt as well.  I have spent years now learning little ins and outs on how to use it all without getting sucked under and consumed by the debt.  This has led me to some interesting perspectives.

I was just recently thinking about Karma when someone started talking about credit cards and it dawned on me that the two are very similar in a lot of ways.  The main way is that you are purchasing something up front that you will have to pay for later and isn’t that what Karma is all about?

As the conversation went on, they talked about different types of cards such as ones that accrue air miles or reward points and cards that just have a really low interest rate.  Again as I continued to ponder about Karma, I could easily see the various levels at which it works as well.  Everything we do in life is generating a Karmatic response for our future.  Some things we do accrue over time, sometimes we are racking up rewards, and sometimes through forgiveness we only have to pay a little interest on it.

At this point as my mind raced on, I knew I was sitting at the entrance of a rabbit hole and now the question was, “Do I continue down this hole to see what all I find?”  Obviously the answer to that question is yes, I went further down the hole and thus why you are reading this.  Now, let’s take a look to see just what I found down this path.

Accruing Your Points

Just like poker chips, we can accrue them over time for a later use.

Just like with a card that accrues points of some sort, we are always accruing Karma with every moment of our lives.  Everything action that we take has consequences, some good, some bad, and some kind of just in the middle.  I think that most people fall into the trap that Karma only works on the larger scale, but in reality I believe that it is fully integrated into our lives on a very daily basis.

From the littlest action that you take to the most profound, it all racks up for you and will be returned in favor.  Now it is important to stress here that little actions equate to little consequences and the bigger the action the bigger the consequence.  You can also build up a lot of little actions to one big response or sometimes even a big action can come back as many small items.

Some Examples:

1.)  Without being asked, you take care of your elderly neighbor’s yard for them.  Whenever you mowed your yard you just took care of theirs as well.  This transpired all summer long.  The neighbors always made it a point to thank you and even offered you some cash for gas, but you declined.

As Summer came to a close your car broke down and left you sit in the driveway one morning on a very important day at work.  Your neighbor just happened to come out to go to the store and offers you a ride, getting you to work on time.

As you can see here, all summer long good karma was accrued and when you needed help the most, Karma had your back and got you to work in time for the important day.

Even a lunch break at McDonald’s has many opportunities for Karma to come into play.

2.)  One day while out on your lunch break at work you stop at a local McDonald’s.  While waiting in line you hear the mother behind you telling the kids that they can’t get happy meals because they can’t afford it.  You decide to buy their lunch for them that day so the kids can enjoy a happy meal.  The mother is extremely thankful and the kids are overjoyed.

Over the next couple of weeks as you go out to lunch, you get extra full bags of your favorite french-fries or an extra McNugget in your box.  Even the McDonald’s app chimes in with some great deals that work for you.

Here by doing one big thing you set yourself up for lots of little repayments of Karma as time went on.

In both of these examples I chose to show positive acts of Karma.  However, it is very important to know that the same holds true for the negative side.  What you sow, you shall reap!

Racking Up the Rewards

What kind of seeds are you planting?

Speaking of planting seeds, this is how this type of Karma works.  It is a direct reflection of how you live your life on a daily basis.  Every action you take is another seed planted in your field of life.  Each one grows throughout the season.  When it comes time to harvest it, you will regardless of whether it is positive or negative.

This is why it is so important to live a good life and follow the advice of the Golden Rule.  In doing this you are setting yourself up for a bountiful harvest which in turn leads not only yourself, but all of those around you to having a better life.  It is up to you what you want to plant in this life, as long as you know that in the end you will have to harvest it all.

Earning a Low Interest Rate

As I stated above, through forgiveness you can earn a low interest rate on your Karma.  What I mean by this is that Forgiveness is the key to breaking the Karmatic cycle.  You can either pay directly for the seeds that you sowed, or you can genuinely forgive yourself and others to alleviate the debt to be paid.

Karma truly is a cycle that we will keep coming back around and around to again.  Each time we come back to a certain point where Karma is ready to collect on a negative fashion, we have the option to learn from our mistakes and forgive ourselves.  This by no means is an easy challenge, but once you have learned this lesson it will be a tremendous asset for you.

Karma and Reincarnation

Karma is also a lot like luggage where we can carry it over from previous lives to this one.

While we are also racking up our Karma from this life, we also generally still have a balance due from our previous incarnations as well.  This makes what you plant in this life all the more important as part of the reason we go through our life cycles is to learn from, grow and to break out of the Karmatic cycle.

Much like credit cards, our first incarnations in life dealt mainly with the karma from that life only.  However, at some point we decided that we would let the balance ride into the next life and pay a little interest on it.  As the cycles continued for ourselves and the world here around us, our debts have grown.

On a grand cycle though, we as a civilization are at a point where we are truly ready to take the next steps in our spiritual evolution.  Much like the “dark night of the soul” in the Hero’s journey, we have traversed through that time and have now been given the tools to grow and defeat our nemesis.

Forgiveness has become our sword and we must learn how to use it properly to cut away the negative karma that we have accrued over the many lifetimes that we have lived here.  It is time to pay back our debts, to forgive others for their transgressions, to seek forgiveness from others and ourselves.  This my friends is how we break the cycle of the past and blossom into a new world ahead of us.

Share Your Thoughts

Please share your thoughts and perspective with us.
Please share your thoughts and perspective with us.

Before I go, just a couple housekeeping items here.  First, I ask that you please share with us stories and or perspective from your life in regards to Karma and how it has been a factor for you.  With each story that is shared we grow our perspective as a group and as a society.  So please, take a minute and share something with us so that we can all learn from each other.

If you enjoyed this article and the perspective within it, I ask that you A) share the article on your choice of social media (buttons up top!) and B) please check out some other articles I have written that deal nicely with this topic.

Thank you for stopping by today, I appreciate your time and hope that you felt it was well spent here.  I hope to see you stop back by another day.  To stay up to date with us, please follow us on social media (see buttons below).

James W D

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8 Replies to “How Karma is a Lot Like Credit Cards”

  1. Yes, Karma does “exist” in our everyday life. If only we slow down and “feel” it’s existence when the moment arrive. Guess they should issue everyone “Karma” credit card for us to use so that we can keep track of our actions and reactions to things that’s happening around us. Thank you for reminding me about Karma and may this simple but powerful word get spreads around and comes around too.

    • The more I have looked into and researched Karma, the more I see it in everyday life. I see it with the littlest of things now and on a non stop basis. It’s kind of like when you buy a new car and then you start seeing cars of that type everywhere, the same thing has happened to me with Karma. Now that I know it and understand it better I am seeing it happening all around me.

  2. Hi James, thank you for this lovely article. I have always been a fan of karma and totally believe that when you do something good for someone selflessly, that you get positive energy from the universe and somehow paid back in turn.
    I paid for an old man’s purchase at the fruit shop because he couldn’t remember his PIN number. I wish I could have done more for him! At my next supermarket shop I got $10 off, just as a loyalty bonus. I immediately thought of the old man.
    I work as a Nurse and I always strive to go above and beyond for my clients.
    Best wishes, Kris

    • Kris, thank you so much for sharing your story with us. It is nice when Karma can come right back for you like that. Sometimes it takes a while or builds up to something else, so when you get a quick reaction like that it is one to be very thankful for.

  3. Thanks, James, for this profound article. You’ve force me to really take a closer look at my own actions…Am I earning a good Karma interest rate? Hmmm, sometimes I wonder. I know I am a good person, but is that enough? I am not malicious or cruel in any way…but, is THAT good enough?
    These are the questions that popped in my head as I read this.

    Thank you!

    Be Well

    • Good to see you again Barb. I am very glad to see that my post here has provoked such thoughts for you. You are certainly taking my advice about reviewing your life and the actions you take in it. Mindfulness come into play here as well as hindsight. Be mindful of your actions and when you get little rewards or bad moments, use your hindsight to reflect on what really just happened prior to that moment. That will help to give you indicators on what is really going on in your life. Just remember though, that you yourself are always good enough.

  4. I personally believe in Karma. I remember first I heard about it from my mom because she was and is always interested in such a things. I’m not sure if that’s true but if you born in a difficult background and family, when you have to struggle a lot from your birth, can it be that you have a bad Karma from the negative things that you did in previous lives?

    • From the research that I have studied on Reincarnation you would be exactly correct. If you lead a negative life Karma wise, you will have to catch up on it in future incarnations. For example, maybe in your past life you were a man that was a womanizer and never learned your lessons in regards to that. In your next life you could be born as a woman with severe self esteem and trust issues.

      This is why it is important to frequently do life reviews so that you can look for and learn from the lessons that you need to in this life. Love is the answer and Forgiveness is the key.

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