I would like to know if I go to heaven or not. And if I don't, then what did I do to stop it?
Some people think very far ahead into the future. Like to after they are dead.
If this guy does not make it to heaven then I would say that it is because of his job trying to cheat people over the telephone with a credit card refinance scheme.
This really shows that there are different moral codes. I think that scamming people on the phone is the kind of sin that may not look so good on judgement day. Evidently this guy thinks it will get him into heaven.