Q 196: How can we compromise between the saying of the Prophet "It is up to Allah to forgive or punish him", and between what is mentioned earlier that one whose sins outweigh his good deeds, will enter Hell-fire?
A--- No contradiction is there between the two. As, whom Allah wishes to forgive, he will be brought to an easy accounting.
Ibn 'Umar (May Allah be pleased with them) reported: A person said to Ibn 'Umar: How did you hear Allah's Messenger (Peace be upon him) as saying something about intimate conversation? He said: I heard him say:
A believer will be brought to his Lord, Exalted and Glorious is He, on the Day of Resurrection, and he would place upon him His veil, and make him confess his faults. Then, He would say: Do you recognize (your faults)?
He would reply: My Lord, I do. He (the Lord) would say: I concealed them for you in the worldly life, and today I forgive them for you.” (Bukhari and Muslim)
But, as for those who enter Hell-fire due to their sins, those are the ones who are taken to account. Allah's Messenger (Peace be upon him) says:
"He who is taken to account on the Day of Resurrection is in fact put to torment.” (Bukhari and Muslim)
Reference: 200 FAQ On Muslims Belief - Shiekh Hafiz Ibn Ahmed Al Hakami