To be in the world but not of the world

The Bible talks about Christians being in the world but not of the world. Over the past month or so I have been learning more about this. What does that mean?? What got me thinking about this was when I asked for a mere $10000 loan for a new vehicle. The loan officer that I was talking to mentioned that I didn't have enough history to qualify me. She said that I need to secure a loan or get a credit card or department store card. Then I would be able to start a positive credit history. I was talking with a friend later and he said "do you see what they are doing? They are trying to get you into debt" After pondering that I was praying and asking God, "how do I get a positive credit history without going into debt?" I believe that there is a way of using the worlds system against them. Get a credit card, use it once or twice a month and pay it off in full every month. Another area that I am looking into is RRSP or GIC loans. They are smaller loans that you can get through the bank and you have one year to pay it off. I prayed about this and God showed me a plan that is effective and will continue to use money lending as a tool in my hans rather than bondage. He basically showed me that fi I were to get a $500 loan from the bank, that I should try to have $500 elsewhere. That way I am getting the loan, building my credit and not going into debt all the while.
There are many area's that I am pondering in this world's, one being health and fitness, which I will share at a later date.
I believe with all of my heart that there is a way to use the world system to the glory and honor of our Lord Jesus Christ.
be as shrewd as a snake yet gentle as a dove'