While we allow the use of credit cards for tithes and offerings, we still strongly encourage the use of electronic funds transfer rather than credit cards. Although many pay off their credit cards each month, many also do not. We do not want to encourage someone to go into debt and pay interest on gifts given to the church. With electronic transfer, your entire gift goes to the church. When using a credit card, as much as 3% of your gift can go to the credit card company.