Calvinists often argue that if we do make the decision in salvation then we get some measure of credit and therefore that must be unbiblical. (The bible does teach we are not saved by merity through the works of the law, but it never indicates that faith is a work of the law, nor does it ever indicate that we are not fully responsible for our faith based response, but that is for a different discussion) On the other hand, Calvinists also argue that men are able to respond in faith but just not willing to respond unless God regenerates them and gives them that new desire. Now here is the contradiction. Once a man has been born again or regenerated he still must choose to follow Christ, which according to Calvinists he will certainly do, but he must be the one who does it. It must be him who believes and him who chooses to follow, therefore he still has a measure of credit applied to him. Even if Calvinists claim that faith is not possible without regeneration and even if they teach faith is a certain response of one who has been born again it does not take away from the fact that man must choose and believe and therefore, by the logic first imposed, must be given some measure of credit for his part. We are saved by Grace through faith so if you insist that faith, in and of itself is a work of man even if it is caused by God, then you MUST admit that we are all saved through works. "But, God is the one who caused the faith, so that doesn't count toward the man," one may argue. So, Arminians believe the same. The Holy Spirit wrought gospel is what caused my faith, so that shouldn't count toward my credit either. The fact that the faith is effectual in the Calvinistic system doesn't change the fact that it is an act of man and must be credited to him by that logic. It's a clear contradiction. Thoughts?