Asked and answered dozens of times. The answer is God credits the faith of those He chooses and puts in Christ. Such a simple doctrine.So who has faith? Everyone?
Calvinists deny the lost can hear the gospel and put their faith in Christ. Thus all the verses that say your faith, my faith, his faith do not mean what they say, instead Calvinist add your God gifted and irresistibly instilled faith, my God gifted and irresistible instilled faith, and his God gifted and irresistibly instilled faith.
A doctrine that must add, delete and alter the text is bogus.