credit cards use - haram

[Dr.LuLworth]

@Dushwari

we know that owing something to someone is not the best thing to do, when we need monetary funds.
credit cards use is a quick sand and we are all in it almost always.
from an islamic economic and personal spending ethics point of view, this is what i found.

any thoughts?

Question:
I heard that using credit cards is haraam, but if I am sure that I am going
to pay the bank within the time limit, so the bank will not charge any
interest, is this also regarded as haraam?.
Answer:
Praise be to Allaah.
What you have heard about credit cards being haraam is correct. That has
already been discussed in question no.
(13735http://www.islam-qa.com/index.php?ds=qa&lv=browse&QR=13735&dgn=3&
)
Using them is haraam even if the user is certain that he will pay the bank
within the time limit.
It has already been explained in the answer to the question mentioned that
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.
Shaykh Ibn 'Uthaymeen (may Allaah have mercy on him) said concerning this
kind of contract:
A contract of this type is not permissible, because it involves riba which
is the price of the card, and it also means committing to pay interest if
payment is delayed.
In another fatwa he said:
This transaction is haraam, because the one who enters into it commits
himself to paying riba if he does not pay on time. This is an invalid
commitment, even if he believes or thinks it most likely that he will pay it
before the time is up, because circumstances may change and he may not be
able to pay it off. This is a matter that is in the future, and no one knows
what will happen to him in the future. So dealings of this type are haraam.
And Allaah knows best.
Islam Q&A

I don’t think some bearded man in saudia arabia knows my personal financial situation and the reasonings behind why I use a card and carry intentional debt. I think this answer is irrelevant and not even islamic. How can he assume what is good for 1.5 billion individuals.

meh