Mufti Online — Madrasah Ta'leemuddeen

Using Credit Cards

· 5 Jumada I 1434 AH1 min readEnglish

Question

Is it permissible to use a credit card if one ensures that the balance is always positive and never goes into credit? Also, interest is paid to the cardholder because the account has money in it, but every month the amount is reversed when requested.

Answer

The use of the credit card is permissible provided one is sure that one will pay the loan (outstanding amount) before it earns interest. In the case enquired, since interest is being paid to the cardholder, it will not be permissible as one is receiving interest, even though he asked the bank to reverse it at the end of the month.

Note: This ruling applies to the credit card for which one is not charged a monthly fee. If a monthly fee is charged for the credit facility, it will not be permissible and the monthly fee will be regarded as riba (interest).

And Allah Ta'ala (الله تعالى) knows best.

References (Arabic / Urdu sources)

يأَيُّهَا الَّذينَ ءامَنوا لا تَأكُلُوا الرِّبوا أَضعفًا مُضعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُم تُفلِحونَ ﴿النساء: ٢٩﴾

Answered by
Mufti Zakaria Makada
Checked & approved by
Mufti Ebrahim Salejee (Isipingo Beach)
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Questions about this ruling, answered only from the archive with sources.

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Source: Mufti Online — Madrasah Ta'leemuddeen — https://muftionline.co.za/node/2116
Fatawa SA: https://fatawa.co.za/fatwa/muftionline-2116

People also ask

Is using a credit card permissible?

“The monthly fee which the bank charges the credit card holder is not permissible. This amount is riba (interest). One is paying the bank this monthly fee in order to keep this credit facility open to him to qualify for credit…”

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