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Is It Permissible To Use Credit Cards?

Answered according to Hanafi Fiqh by Qibla.com

Answered by Shaykh Faraz Rabbani

Is it permissible to use credit cards?

Answer:
In the Name of Allah, Most Gracious, Most Merciful

Assalamu alaikum,

The contemporary fuqaha have discussed this, and generally agree that it is permitted to use credit cards with the following main conditions:

1. One has the firm resolve and ability to pay the amount before any interest becomes due; and

2. One is sure that one will actually pay it off before any interest becomes due. That is, one has the funds to do so, and one’s habit and past experience shows that one will actually do so.

Walaikum assalam,
Faraz Rabbani.

Rewards on Use of Credit Cards

By Mufti Taqi Usmani

When using credit cards, some banks give bonus miles or bonus points for purchases and some other benefits. Please clarify it if we can use it. Every month I pay off the total of account without paying an extra cent of interest. [Ayyub Gajia]

A.) If a credit card is used for purchases and the bills are paid promptly without requiring to pay interest on late payment, it is permissible and the benefits given by the credit card company as rewards can be availed of. It is not impermissible to benefit from such rewards.

Source: http://www.albalagh.net [Posted: 27 Zul-Qa’dah 1422, 10 February 2002]

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