credit card

Society Religion & Philosophy
41

Re: credit card

isee liyae tu kaha hai kay been bajanay ka koi faida nahee kyun kay woh bhi haraam hai

42

Re: credit card

sirf zarrish nay nahe kaha humhara islam yeh kehtaa hai Allah or uskay Rozool ka yeh hukum hai

43

Re: credit card

I think it was in a poll conducted and they found pakistan and UK where people supposedly put islam before country [UK much more than Pakistan]. The thing I don't get is that why people so anti-pakistan or anti-UK when Prophet Muhammad, being a muslim, never hated Makkah *. Nationalism is a normal thing as long as it doesn't get to your head [point in being like german nationalism in WWII] but so can religious fanaticism can be where one uses religion to force his/her viewpoints on other people by force!

Part of the problem in UK is UK itself but a larger responsibility is of the pakis as indians have managed to integrate well in UK. I don't want to digress too much as it would be off topic. Maybe we can talk about that in some other thread.*

44

Re: credit card

A credit card is NOT haram. What is haram is paying and charging interest. If you have anuual subscription charge well thats a charge i.e. paying for a service not interest. I dont see Muallhs complaining when you send money to otherside f the world which includes a service charge e.g. costs me £27 to make a international wire transfer.

The ONLY time a credit card become haram is where you fail to pay the payment off on time. Easily solved by setting up a direct debit such that automatically paid every month.

45

Re: credit card

the use of credit card is not haraam if money is paid before interest is charged , and as far as service charges they are nt intesrest as u are paying to use their service such as paying anywhere and evreyhwere wid just a card.. you are nt paying for the money you have taken .. also even if u were charged wid interest u wud hve to pay service charge so that is a complete different matter.

widout doing ur research n declaring sumfin haram is nt good ,

i think itw ud help if ppl do their research n den start a convo as this just shows islam in such a negative lite.

46

Re: credit card

Allah aur us ke rassol ka yeh bhi hukam hai key apna deemagh bhi use kero.....its just not a spot filler

~**~ Tussi Baray ----- Ho ~~~~ ~**~
47

Re: credit card

:omg: LB at dat time there wasnt ny such Law. plus groups they copied (i think they were led zeplin, etc) had west society as their target audience…so now they cant drag VS in any copyright infringment case. :smiley: whereas these groups also dont have ny acclaim for losing nythng. so they cant have ny such jurisdiction :smiley:

48

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IS IT REALLY??? :bummer: (but y, i m not getting ny interest in my risk-e-halal, whereas if they r charging interest then charger’z risk is effected not mine. plus interest is only imposed on amount due. SO PAY UR BILL ON TIME MAN)

49

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Oh if paying interest is haraam then whole pakistan is committing it because of all the loans borrowed.

50

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We can always pretend to do Islamic Banking and charge enough SERVICE CHARGES to cover up intrest rate profit and more :)
Please come to my office and I will rob .... errr .... islamically bank-a-fice you :LP:

51

Re: credit card

^ exactly! These so called interpreters of God's will just come up with such nonsense and anything they don't like they call it haraam! Why resort to such fraud? If they don't want pay interest, don't borrow!

Last person to answer this post wins!!!!
52

Re: credit card

Using them is haraam even if the user is certain that he will pay the bank within the time limit. they are haraam because the bank lends money to the user in return for interest and this interest is the price of the annual subscription to the credit card as well as other interest charges which are to be paid to the bank if the user is late in paying.
The cost of the card is a kind of riba which the user pays to the bank and this riba is paid by the user whether he pays on time or not.
Also*the user enters into a contract with the bank which means that he is obliged to pay interest if he delays payment. This is also haraam* because it is not permissible for a Muslim to commit himself to doing something that Allaah has forbidden. The user may think that he can pay up on time, but then something happens to him that prevents him from doing so, so he pays riba to the bank.

53

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*

madam i have a full research on my topic **
*assal main loogoon kay saath maslaa yeh hai kay un ko koi cheez halat bataahi jahay tu woh samjaty hai kay yeh islam ko ghalat sabit karenay kay liyae boli gae hai *
**aap muslim hain aap mujhay sabait kardain yeh hallah hai
or main aap ko yeh sabit kar rahee hoon kay yeh haraam hai tu kiya aap usaay use karnaa chorr dain gi?????????????

Pakistan v England - 2nd Test - Aug 6-10
Pakistan v England - 2nd Test - Aug 6-10
54

Re: credit card

baat sunao mr mualii dimagh ko isteemal kartay hain tabhi sahee or ghalat ka pata chaltaa hai
aap ko yeh haraam nahee lagtaa tu yeh aap ki aqal pay hai
jo kisi cheez ko ghalat naa samjnay chahay tu us kay agay aap jitnee bhi dalilaan laa kay rahk dain woh us main bhi koi baat doonday ga ussay ghalt sambit karnay kay liyae jo aap kartay hain...............

55

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exactly loan is also haraam
aap jiss cheez pay bhi interest day rahay hain woh haraam hai

56

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.

57

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pehlay to i dont have a credit neither wud i use one . nt bcoz u htink its haram bcoz its nt if u pay money on time because it just causes one to overspend and later in so much debt .

if u think its haram den dont use it .. u cnt stop sumone else from usin yeh u have alerted others bt i dont agree its haram .

58

Re: credit card

achi baat hai aap use nahee karteen or aap khud keh raheen hain kay baad main aap ko zada debit dainaa partaa hai tu kiya yeh interest nahee?? jo aap day rahee hain ????

main Allah ka shukar hai use nahee kartee
agar Khudanaa kawastaa use kar rahee hoti tu pehlay khud uss say rukti phir doosroon ko boltee
lakin dosooroon ko aap buri cheez ka bata saktay hain agay un ki marzi woh janaat chunnay ya jahanum

59

Re: credit card

Credit cards are one example of Riba or interest.
Riba is made up of three elements. The first is excess or surplus over and above the capital of the loan. The second is the determination of this excess rate in relation to time. The third is that a transaction is conditional on the payment of a predetermined surplus.
These three elements jointly make up Riba and any deal or bargain or credit transaction in money or in kind which has these elements is considered a transaction of Riba.
Credit cards are the major pillar of consumerism. They are the prime example of something which encourages you to spend even if you don't have the money. In a nutshell, credit cards are good for the banks and bad for you. They also involve Riba.
By using credit cards to buy, you end up paying far more than the original price of an item because of impatience and inappropriate planning. Every year hundreds and thousands of people are declared unworthy of credit.
Given the fact that you cannot completely escape interest and credit even in Muslim countries, some may think it is just better to go with the flow and use it anyway, despite it being Haram.

Withdrawing money from the bank when the account is empty is regarded as a loan, and it not permissible for the lender to stipulate payment of anything in addition to the amount that is loaned, no matter how small it is, because that is riba (usury)and there is consensus that it is haraam.
Ibn Qudaamah (may Allaah have mercy on him) said: “Every loan in which it is stipulated that something extra must be paid back is haraam, with no difference of scholarly opinion. Ibn al-Mundhir said: [the scholars] are unanimously agreed that if the lender stipulates that the borrower must pay extra or give him a gift and he lends him money on that basis then accepting the extra payment is riba.
"Allah will deprive usury of all blessing, but will give increase for deeds of charity" (Quran 2: 276).
Narrated Jabir ibn Abdullah: Allah's Messenger cursed the accepter of interest and its payer, and one who records it, and the two witnesses; and he said: They are all equal (Muslim).
Abu Huraira related that the Prophet said: On the night of the Miraj I came upon a group of people whose bellies were like houses. They were full of snakes which could be seen from outside their bellies. I asked Gabriel who they were, and he told me that they were the people who had practiced Riba (Interest). (Ahmad, Ibn Maja)
Abdullah ibn Hanjalah related that the Prophet said: A dirham of Riba (interest) knowingly taken by a man is a sin worse than committing Zina (fornication) 36 times (Ahmad, Daraqutni).

Allaah says (interpretation of the meaning):
“Those who eat riba (usury) will not stand (on the Day of Resurrection) except like the standing of a person beaten by Shaytaan, leading him to insanity. That is because they say: ‘Trading is only like riba,’ whereas Allaah has permitted trading and forbidden riba. So whosoever receives an admonition from his Lord and stops eating riba shall not be punished for his past; his case is for Allaah (to judge); but whoever returns (to riba), such are the dwellers of the Fire – they will abide therein.”
On the day of the Conquest of Makkah, the Prophet (peace and blessings of Allaah be upon him) said: ‘All riba owing from the time of Jaahiliyyah is under these two feet of mine… (when he abolished everything that was owed to the usurers except their capital), he did not command them to return the extra money they had received during the time of Jaahiliyyah.
Credit cards even when being used carefully are better avoided. There are clear alternatives, like the debit card for avoiding this possible trap for Riba.

If we really are serious, and pray to Allah to help us avoid the Riba trap for His sake.
He will open a way out for us.
Don't forget where there is a will, Allah can create a way.

60

Re: credit card

zarrish i ws tlkin abt d general use of a credit card dt is wt happens it causes u to spend more becoz u r putting it on plastic rather den paying it out of ur pocket...
bt in islamic terms yeh using n den paying interest on it is haraam as u r paying bk more den u borrowed.

however paying bk how much u borrowed surely dt is nt haraam.