Credit card is allowed in islam

Credit Card Laws in Islam, hallal or haram?

Credit card (Arabic; bithaqah i'timan) in Islamic finance, called the Islamic card, or shariah card. Leading to less cash society. Which is one of the tools in the payment system, as a means to facilitate the transaction process, because it is not dependent on cash payments, or by payment in cash, because the risk of carrying cash.

In some of the literature of contemporary jurisprudence, legal status as an object, or media kafalah services (warranty). Accompanied bailout payment (qardh), and services ijarah, for ease of transaction.

Banking companies, in this case the credit card issuer (proof of kafalah) as guarantor (kafil), for credit card users in a variety of transactions. Therefore, the law applies here kafalah, qardh and ijara.

The scholars permit systems and practices in muamalah kafalah, based on the arguments of the Qur'an, Sunnah and Ijma '.
Allah says: "and who can return it will receive heavy loads of foodstuffs camels, and I will be bound." (Surah Yusuf: 72).
Ibn Abbas said that what is meant by the word "Za'im" in this verse is "kafil".


Prophet's saying: "az-Za'im gharim" means the man who ensures meaningful owed ​​(for bail). (Narrated by Abu Dawood, Turmudzi, Ibn Hibban).
Scholars agree (ijma ') on bolehnya kafalah practices as required in muamalah prevalent.

Kafalah basically a contract tabarru '(voluntary), the value of worship for the guarantor, as including cooperation in virtue (ta'awun' alal Birri), and the guarantor of the right to request return back to payable. He did not ask for very worthy reward for his services, so as to secure / away from doubtful. But if payable himself gave as gifts, or grants to express his gratitude, then fine.

However, if the guarantor itself which requires compensation for services (like credit card administration fee money, etc.), and would not warrant a voluntary basis, then it is permissible for warranty service users as necessary to meet these demands as a common requirement in the course of the study, business transactions, social activities, personal affairs and so on.


So, how do credit card laws in Islam?

In principle, the Islamic credit card is permitted, as long as the practice does not deal with the usury system, ie enforce interest, if repayment of the debt to guarantee payment arrears, or delinquent.

In addition, the provision of money services kafalah earlier, should not be too expensive, so the burden owed​​, or too large exceeds rational, to wake up from the original purpose kafalah, the rescue services, in the form of loan guarantees to merchants, sellers of goods or services receive.
Thus permissible for Muslims to use the services of a credit card that does not use the system of interest.

Credit card is allowed in islam
But if forced, or demands necessitated the need to use a regular credit card, taking the provisions of interest, then for ease of transactions permitted use any credit card. With full confidence in financial condition, and its economy was able to pay the debt, and the commitment to pay it off on time, prior to maturity, in order not to pay the debt.

It is based on the principle of jurisprudence 'Saddudz Dzari'ah', meaning attitudes and preventive measures to prevent acts of sin. Therefore, the law giver of money eaters and usury, are equally unlawful.

Based on the history of Ibn Mas'ud: "The Messenger of Allah cursed treasure eater of usury, the payer of riba, ribawi transactions witnesses and writers." (Narrated by Bukhari, Abu Dawud)

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