When you charge something, it incurs a debt that you will owe. Sin is like swiping that card. We often do know the costliness of it all until much later. We’ve all racked up a debt that we cannot repay. We incur massive penalties as a result. . We think our good works can even the score, but we simply cannot. We are sunk and bankrupt with no hope.
But here’s the hope. Jesus does something that we cannot do for ourselves. Here is what Jesus did for us:
“Just as God charged our sin to Christ, so he credits the perfect obedience of Jesus to all who trust in him. In what is often called the Great Exchange, God exchanges our sin for Christ’s righteousness. As a result, all who have trusted in Christ as Savior stand before God not with a clean-but-empty ledger, but one filled with the very righteousness of Christ!
Jerry Bridges and Bob Bevington, The Bookends of the Christian Life
Jesus gets charged for a debt he did not owe. We are credited with a righteousness that we did not earn nor deserve. We have a totally new standing! We have a new assurance! May these truths increase our affection for Christ and in Him alone!


