I've listened to and fully understand "Word of Faith" theology since it started, and enjoy the blessings of giving however much whenever and wherever the Spirit prompts us. A preacher might put out a heavy appeal to fund some cause, then sometimes the Lord confirms, sometimes forbids.
If maxing out a credit card upsets you, then certainly don't do it. If you can't max it out and repay it before interest kicks in, you probably ought to put it away and not use it at all until you can pay it off monthly. I pay almost all my bills online using a credit card, but always make sure I have the income waiting to pay the card off within 30 days. I like the security and insulation from online abuse or in case I lose the card. Save up and set aside an amount equal to the card limit, and only use that fund for that purpose. Then, if some urgent need arises you have a cushion. We rarely need it, more likely to use that for some call like from a minister. The Lord doesn't let that happen a dollar more than ought to be. Those are sort of "loans" that God repays quickly in many ways money can't buy.
Not to offend here at all, but over the years I've noticed those who complain most about giving to ministries always have the least to spare. I chose not to live that way by being generous when the Lord says to be generous. I'm careful not to give into "bad soil" where lots of error floats around, and won't take part in funding new mega-church facilities. I just don't believe those are what God had in mind. He might not have had a TV satellite/cable ministry bills of $3 million a day "in mind" back then, but I take that to be how Jesus meant practically for the gospel to be preached in all the world. Sending out enough missionaries at a time to do that would easily cost 1000 times more daily, so that manner of outreach seems to me a bargain.
As for how much income the evangelists take home, have any of you folks that complain actually know how much they do net personally? I've seen financial statements for them, not seeing a disproportionate income from direct donations (most taking none of it), and all is subject to strict IRS viewing, seeing they have a tax issue. If they keep more than their boards and CPA corps report and accept as reasonable, then they'll end up in prison. Probably no other class of taxpayer gets audited more. Would you suppose the IRS is secretly allowing them to keep millions more? I really doubt that.
It is interesting how much they reap from sales of books and other products, though. Sometimes they dedicate the proceeds of their books to their ministry or like to Haiti relief, for example. How much did you contribute? I notice Bible publishers are still cashing in on the freely given Word from God. Have you stopped buying Bibles because of their "obscene profiting"? I can't begrudge any of them of that source of income, nor do I hate stock-holders of Exxon and other industries keeping a paltry 2-3% profit margin. There were times when it was tempting to cash out stocks in all oil industries back in the 1980s, but we stuck it out "going for broke" anyway and benefited greatly. Am I evil for letting my hard earned investment money ride for an eventual landslide profit? I could have lost all my discretionary savings needed toward retirement, having to start saving all over.
Again, without exception, the people I see complaining about others profiting from their labors typically don't hold a job by choice, or abuse whatever income they have on unhealthy habits, too many dogs, more car(s) than needed, or are simply very poor managers of money. Complainers are very often those most in love with money, finding it difficult to part with it for any reason. Our city board is on TV daily, and once a month there's the same parade of poor folks appealing to be excused from their water bill of usually around $50 a month. "God made the water, so it should be free. I will not pay it, and if you come to padlock my meter you'll have to cut my padlock, and owe me for it." So, they go cut it, put their own on, and send the folks extra bills. See what I mean? Pay your way and consider helping someone else do the same. Ministries usually deserve the money they ask for. So does the city for providing a constant clean source of water. Be ready to answer the government, and God. Hey, if you don't care to pass on some of His blessings, He can arrange to end them for you permanently. If you never have any to spare, you are under some curse according to the Bible, and He wouldn't want a dime from you. There is no blessing for a person so rich they forget God, or so poor they curse Him.
OK, that's the last I'll say here about ministries asking for some of your money. I just discovered the theology sections!