Our karma is our prayer. It doesn’t matter if believe in God or not. We will be judged on the basis of our karma. Galatians- 6:7- Do not be deceived: God is not mocked, for what ever one sows that will he reap. Mathew- 7: 12- So whatever you would like that might do to you are doing also to them, for this is often the law of prophets.
It will be our karma which decides our fate. We must think twice before taking any actions. Karma is philosophy that fully attached to the human life. Every Karma has its on consequences. I have seen some people spending time for praying but when it comes to act on great principles of religions they fail.