Is Faith Meritorious?
Visitor: The Bible never presents faith as something meritorious, and in fact distinguishes it from works or any trust in oneself (Romans 4:5).
Response: indeed faith is not meritorious UNLESS you make so by declaring that it is not the gift of God that springs from the renewal of our heart ... and in refusing to acknowledge faith as God's gift, by default, you thereby ascribe your repenting and believing to your own wisdom, humility, sound judgement and good sense and not to Christ alone. In other words you affirm the necessity of grace but deny the sufficiency of grace. That is, deny that Christ is sufficient to provide EVERYTHING we need for salvation, including a new heart to believe. When people reject faith as a grace, it means they have made faith into a work. The Scripture declares, "And because OF HIM you are in Christ Jesus, who became to us wisdom from God, righteousness and sanctification and redemption, so that, as it is written, “Let the one who boasts, boast in the Lord.”
So even the very wisdom we have to believe is by God's grace.