He will reply 'No my Lord'

The Messenger of Allah صَلَّى اللَّه عَلَيْهِ وَسَلَّمَ said:

“A person from my Ummah will be summoned in the presence of all creatures on the Day of Judgement. Ninety-nine scrolls (of his deeds) would be unfolded, each extending as far as the range of the vision can stretch, then he would be asked: ‘Do you deny any of these deeds? Did My preserving scribes wrong you?’ He will reply ‘No my Lord’, It will be said to him: ‘Do you have any excuse or any good deed?’ He will say: ‘No my Lord’ It will be said to him: ‘Yes you have some good deeds. No iniquity will befall you.’

A card will then be shown to him, on it will be written: ‘There is none worthy of worship besides Allaah and Muhammad is His slave and Messenger.’ And the scales are brought. He will say: ‘O Allaah! This (one) card alongside these scrolls.’ It will be said to him: ‘No injustice shall befall you.’ "The (ninety-nine) scrolls will then be placed in one pan of the scale and the card on the other. The card will then outweigh the records. there is nothing that outweighs the name of Allaah”

[At-Tirmidhi and Al-Haakim amongst others]