Getting cash out of credit card : cash withdrawal by credit card

Fatawa Question

As-Salaamu 'Alaykum, Dear Dr. Kahf, My non-Muslim father has given me credit cards (both a Discover and VISA card). It has my name on it and he has given me free use of it within reason, such as food, supplies, etc. He kindly pays the expenses. I have been avoiding using the card to withdraw physical cash from an ATM because I am uncertain if doing this involves Haram interest. Again, I am simply treating the cards as a gift from my father and I don't ask any questions about it. However, there is some repair work that may need to be done on my house. The repairman is a trustworthy Muslim and he says it may cost $ 325. He only takes cash. Would it be possible for me to go to a Wal-Mart and purchase something (e.g., a snack) with one of the credit cards that my father has given me and opt for the cash back option for $ 325 ? I'm not 100 % sure, as I've never used this option before, but it seems that if I purchase something at the Wal-Mart, the cashier will ask me if I want cash back. If I say yes for $ 325, the cashier will then give me $ 325 in physical bills along with whatever I purchased. I can then use the money to pay for the repairs. Is this allowed in Shari’ah ? Many thanks, Alexei

Fatwa

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Publication Date

2012-08-25

Main Subjects

Financial and Accounting Sciences
Islamic Studies

Topics

• Credit cards
• Banking services

No. of Pages

1

Data Type

Fatawa

Language

English

Record ID

BIM-728437

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