How can you ask God to cancel your debts when in fact you have not used those credit cards for the Kingdom of God. Why not ask God what you can do for Him instead of asking God what He can do for you. God is looking for vessel He can used for His Kingdom. Everyone here are asking God - give me, give me. Ask yourself this, why is it that you are in this situation? Was God first in your life or maybe the things in the world? If God cannot trust you with $100 dollars, why would He give you a million? Examine yourself, repent, ask God for forgiveness, give all your whole beings to be used by God the Father in Heaven. Surrender all and He will open those locked doors. God cannot use you because you are still in the world.