Re: credit card
Maybe you should ask jamshed tablighi bhayya mulla why is allowing haram in his store? 
Before it was the sheer type of kurtas that were being sold in his shop 
Logically, as long as you pay on time and paon dhoti dekh kar phelao, you are fine!
Btw, who would in their right mind use debit/credit card in Pakistan? Don’t the merchants charge you [the consumer] the merchant fee [2% in america, don’t know what in pakistan?] plus they steal your number. My khala only recommended using Amex [MC and Visa aren’t good for Pakistan?] and someone stole her number her last trip and ran up hundreds of charges. Good thing about a credit card, unlike a debit card, is that you have more protection when it comes to fraudalent charges.