Forgiveness

I was on the radio with Bill Bennett yesterday in response to something he had said about forgiveness.
Someone on CNN had once asked him if Bill Graham was right to say that we had to forgive Bill Clinton.
Bill had replied that Clinton would have to repent first.
This was used to make it seem that Bennett was critiquing Billy Graham.
Of course, that wasn't the case.
You can disagree without being considered "critical" (judgmental) of someone.

So on air, I gave Bill my understanding of Christian Forgiveness.

My point was that when we are supposed to forgive, it means that we offer forgiveness.
When the offer is accepted with admission of guilt and repentance, we are obligated to then enforce our offer of forgiveness.

Edit: My wife Scherie disagrees. She says we should forgive immediately. Kind of like the Billy Graham sentiment.
Do you have an opinion?

If God, Who has offered and provided forgiveness to the world, offered it unconditionally, what would be the point of a final judgment?
No, He offers it conditionally. Repent and be justified by your faith in His offer of forgiveness based on the price of the Blood shed for our sins.

Now. as Bill mentioned:
Is their any crime too heinous for God to forgive?
What would the threshold be?