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Q.)
1- If the payments of the credit card bills are made to the Credit
Card company on due date, whether its use for buying will be Halal
or not?
2- If the payment is
some times delayed and made with additional charges, what will be
the Hukm?
3- If some one draws
some cash from the Cash Machines against the limit he has been
assigned by the credit card company, whether the use of this cash
amount will be Halal?
Abdul Rehman
(Muhtamim Ma'had Al-Faqeer
Al-Islami Pakistan)
A.) 1/2. The best way to avail of the services of
a credit card company is to have a direct debit arrangement with
the issuer of the card. It means that as soon as an amount is due
on the card holder the isssuer receives it by debiting the card
holder's account with it or any other bank. This is to eliminate
the chances of the accrual of any interest on the payable amount
in case of delay in payment.However, if direct debit arrangement
is not possible for any reason purchasing through a credit card is
permissible only when the card holder is fully confident that he
will pay the bill to the issuer within the due date and there is
no apprehension that any interest will accrue with delay in
payment.
3.
Drawing cash from a cash machine provided by the credit card
company is allowed if no interest is charged for the cash
drawing. The company may charge some reasonable lumpsum amount for
providing the services of the machines provided that it is not
made an excuse for charging interest.
Article taken (with Thanks) from Albalagh.net |
