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Fatawa

Bankruptcy, business dispute : bankruptcy

Question: [Question One] :Dear Professor Monzer :Salam Alaykum. I have a question for you regarding bankruptcy. I have read a few of your replies to similar questions, but I think my situation is unique and warrants special consideration. Please correct me ....

Subjects: Bankruptcy; Investments

Statistical Reports

Table 25-5, Average exchange rates of GCC and the major currencies against the KD (fils).

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 36, no. 1 (Jan. / Mar. 2010), pp.82-82, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Statistical Reports

Table 25-4, Average exchange rates of GCC and the major currencies against the KD (fils).

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 36, no. 1 (Jan. / Mar. 2010), pp.81-81, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Fatawa

Credit card additional charge : 3 % additional charge by merchants

Question: Assalamualikum Dr.,Actually I'm working in Saudi Arabia. When paying by (American express, Visa and Master cards) bank charges from customer 3 % additionally which is collected as a bank commission. For example : I'm buying goods for 1000 SAR. I'm ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence

Fatawa

Credit card additional charge : additional charge by merchant when accepting credit cards

Question: Assalamualikum Dr,I need a Fatwa for credit card charge when I pay by credit (visa, master and American express) bank charge 3 % additional I.e. for cost of 100 USD, one has to be pay 3 % additional charge is it permissible ?jazakhallahu khairaZarjoon.

Subjects: Credit cards

Statistical Reports

Table 25-5, Average exchange rates of GCC and the major currencies against the KD (fils).

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 4 (Dec. 2009), pp.83-83, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Statistical Reports

Table 25-4, Average exchange rates of GCC and the major currencies against the KD (fils).

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 4 (Dec. 2009), pp.82-82, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Fatawa

Credit card reward points (or cash back)‎ : reward points

Question: Asalam Alykum Dr. Monzer,Thanks for the information posted on the website. I would like to ask a question regarding the reward points (or cash back) when using credit cards (e.g. Visa). I read the fatwas and I still have something ....

Subjects: Credit cards; Islamic jurisprudence

Fatawa

Debts in the economy, reserve requirements and credit creation : fractional reserve system : [1]

Question: Dr. Monzer,Assalamu Alaykum. I pray that, by the Grace of God, all is well with you and family. I hope you remember me : I am from Dallas area and have moderated the Islamic Financing and Zakah workshop in 2007 ....

Subjects: Ruling in Islam

Statistical Reports

Table 25-5, Numbers of plastic card transactions and payment Machines used in the state of Kuwait.

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 3 (Sep. 2009), pp.83-83, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Statistical Reports

Table 25-4, Values of transactions using plastic cards.

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 3 (Sep. 2009), pp.82-82, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Fatawa

Loan service fees, late payment fees, collection fees : loan with processing fees

Question: AA Dr. Monzer,I wanted to ask you about 0 % Apr credit card loans while they take 3 % processing fee for the loan. Is that allowed given that I plan to invest the money for a short period of ....

Subjects: Administrative fees; Commissions; Loans

Fatawa

Fees on credit cards loans : investing money of credit cards and pay it in full within mercy deadline

Question: Walikum assalam,Jazakum Allahu Khairan,I asked for me personally as several people brought the issue up recently and they are practicing it. They take the money and invest it and before the due deadline they will pay it back in full ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence; Loans

Fatawa

Fees on credit cards loans : 3 % processing fee on a credit card loan

Question: AA Dr. Monzer,I wanted to ask you about 0 % Apr credit card loans while they take 3 % processing fee for the loan. Is that allowed given that I plan to invest the money for a short period of ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence; Loans

Statistical Reports

Table 21, Mony and banking.

Monthly statistical bulletin Central Bank of Jordan.; Research Department Vol. 45, no. 8 (Aug. 2009), pp.37-37, 1 p.

Subjects: Credit cards; Jordan; Statistics

Fatawa

Use of credit cards : getting a loan from credit cards that give grace period

Question: Aslamoalaeekum,I live in London and I am writing to humbly request your help on this issue. I hope you will know better on what Islam says on this one. I urgently need some money and I cannot find anyone to ....

Subjects: Credit cards; Islamic jurisprudence

Fatawa

Lending use of credit card, what to do with charges ? : allowing a friend to take cash from my business on his credit card

Question: Aslamoalaeekum,I live in London and I am writing to humbly request your help on this issue. I hope you will know better on what Islam says on this one. I urgently need some money and I cannot find anyone to ....

Subjects: Credit cards

Statistical Reports

Table 25-5, Numbers of plastic card transactions and payment Machines used in the state of Kuwait.

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 2 (Jun. 2009), pp.88-88, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Statistical Reports

Table 25-4, Values of transactions using plastic cards.

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 2 (Jun. 2009), pp.87-87, 1 p.

Subjects: Kuwait; Statistics; Credit cards; Magnetic cards

Fatawa

Credit transfer : transferring credit from one credit card to another

Question: Salamu 'Alaikum,What do the scholars say about transferring credit from one credit card to another ? As you know, people do this when they are offered a lower rate. Also, some credit-card companies charge a fee for doing this. Is ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence

Fatawa

Credit transfer : is transfer charge permissible to pay ?

Question: Salamu 'Alaikum,What do the scholars say about transferring credit from one credit card to another. As you know, people do this when they are offered a lower rate. Also, some credit-card companies charge a fee for doing this. Is it ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence

Fatawa

Use of credit cards : [Banking credit cards like some shopping malls offer customers credit cards with a reasonable % of discount to holder of these cards only]

Question: Dear Professor Dr. Monzer,Waalaikam slam wa rahmatullah wa barkatho,Jizaka Allah, thanks for your answer, guidance and affording your precious time.Please see another situation that is different than banking credit cards like some shopping malls offer customers credit cards with a ....

Subjects: Islamic jurisprudence; Marriage

Fatawa

Use of credit cards : objective of Shari’ah and prohibition of Riba in credit cards

Question: Dear Dr. Monzer,ASlamo Alakam,I happened to read your paper on objectives of Shari`ah in the prohibition of Riba, it is quite impressive logically and broaden common Muslim vision about what is interest and what not ? please accept congratulation for ....

Subjects: Credit cards

Fatawa

Use of credit cards : use of credit card for organization

Question: Thank you again! I just had one question in mind, we need a credit card for the organization, what can we do since our programs InSha Allah are interest free but if we get a credit card then that would mean we are involved in interest.Rabia.

Subjects: Credit cards; Islamic jurisprudence

Fatawa

Use of credit cards

Question: What about possession and use of credit cards such as Visa / Master card etc. where you may avoid paying interest when paying by due date. Is this way of using credit cards and avoid paying interest permissible ?Happy Eid (in advance).Jazak Allah Khair.Wassalam,.

Subjects: Credit cards; Islamic jurisprudence

Fatawa

Secured credit card

Question: As-Salamu Alaykum wa Rahmatu Allah,Hope this message reaches you while you are in the best of health and Iman, I would like to know the ruling of secured credit cards. I read your fatwas regarding credit cards and I agree ....

Subjects: Credit cards; Islamic jurisprudence

Fatawa

Riba and installment sale : [1]

Question: Assalamu Alaikum,Dear Sir,I’m Hijaz, undergraduate, B.Sc. Accountancy, from Sri Lanka. One of my friend bought a mobile phone in installment system. Cash price of mobile Rs 19575Monthly installment Rs 1875 (1875 * 12 = 22500)Additional charge Rs 2925 (22500-19575)Period ....

Subjects: Installment sales; Usury

Fatawa

[Side benefits of some credit cards]

Question: My question relates to credit cards and their usage. I am aware that use of credit cards is permissible so long as I ensure that I pay the total amount due and do not default on payment, thereby activating the ....

Subjects: Credit cards

Fatawa

Use of credit cards : are credit cards permissible

Question: Assalamu Alaykum.Dear Sir please clarify can we use credit cards ?.

Subjects: Credit cards; Islamic Banks

Fatawa

Performing Hajj and Umrah by credit cards : Using credit card for Hajj expenses

Question: SALAMSCould you please reply this question, we got in our Hajj and Umrah page ?Is it allowed to pay for your haj by credit card ?Thanks, Wael.

Subjects: Credit cards

Book

Riba, bank interest and the rationale of its prohibition

By: Sadiqi, Muhammad Najat Allah. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2004; pp.1-162, 162 p.

Subjects: Islamic jurisprudence; Banks; Financial institutions; Foundations of Islamic jurisprudence; Monetary policy

Fatawa

Signing credit cards’ contract and using it : a Masjid using credit cards

Question: Aslamu Alaikum, is it permissible for a Masjid (Islamic center) to pay for its expenses using credit cards knowing the limited funding that Masajid nowadays have so they might not be able to cover their credit card bills at the ....

Subjects: Credit cards; Islamic jurisprudence

Fatawa

Using credt cards in a way that generate interest is forbidden : delaying payment on credit card’s balances

Question: Besmi Allah, I have a question about the use of credit cards. I am an employee I have a good salary and a bank account so I have a credit card yet I asked the bank to keep my saving ....

Subjects: Credit cards; Islamic economics; Payments; Savings accounts

Fatawa

Signing credit cards’ contract and using it : sending mother to Hajj on ticket purchased on credit card

Question: Assalamu Alaikum. Dear counsel, 2 years ago I promised to pay for my mom's Hajj. Due to logistics she did not make it to go. I have lost my job and I lost my house when I divorced my Ex ....

Subjects: Credit cards; Pilgrimage

Fatawa

Going for Hajj while under interest laons : going for Hajj while under credit card’s interest

Question: I have kept Niyyath to perform Hajj this year, but I am worried about a certain issue, that is I have used my credit card to the full limit actually totally not thinking of the seriousness of it, now I ....

Subjects: Credit cards; Islamic jurisprudence; Loans; Pilgrimage; Usury

Fatawa

Using credt cards in a way that generate interest is forbidden : going to Hajj while under credit cards debts

Question: As-Salamu Alaykum, dear scholars, I read your reply to a question by a father who enquired whether he should perform Hajj or help his son to get married. With me , I am disturbed by the fact that I have ....

Subjects: Credit cards; Debts; Pilgrimage; Usury

Fatawa

Using credt cards in a way that generate interest is forbidden : going for Hajj while under interest-bearing credit card debts

Question: Can a person perform Hajj if he is under debts .I owe some money for credit cards to the Bank. It is about 5 years old. I would like to pay them but I cannot pay them all together.Can I ....

Subjects: Credit cards; Debts; Pilgrimage; Usury

Fatawa

Not paying credit cards debts : receiving gifts purchased on credit cards whose holder does not intend to pay

Question: As Salamu Alaykum, 1. My dad’s friend came from America and they shopped on the credit card and bought my mom and dad gifts with it but they didn't want it because he just uses the credit card but doesn't ....

Subjects: Credit cards; Endowments

Fatawa

Buying gold, siver and currencies on credit cards : buying gold on credit cards

Question: This refers to a Fatwa given by Mufti Dr. Monzer Kahf on 23rd April 2002 under the topic of ‘business’ for a question in connection with a network marketing and the question and its Fatwa appears to be vague and ....

Subjects: Gold; Islamic jurisprudence; Local currencies; Sales; Silver

Fatawa

Dividends, bonuses, rewards and accidental insurance of credit cards : bonuses and prizes of credit cards

Question: Dear respected brother(s) in Islam. Asslam Aliykum Wa Rahmatu Allahi Wa Barakatu.I have a credit card (Citibank) that I used to use to purchase goods. This credit card gives 5 % in purchase new vehicle based on the amount of ....

Subjects: Awards; Credit cards; Purchasing; Rewards

Fatawa

Non-interest charges of credit cards : handling charges in credit cards

Question: As-Salamo Alaikum. I have received an offer from one of the credit card companies with 0 % APR for any purchases or cash advance for 8 months provided that I would pay the full amount before the end of the ....

Subjects: Administrative fees; Commissions; Credit cards

Fatawa

Studying and working in the other financial firms and the financial sector : tele seller of conventional credit cards and loans

Question: Have I to accept a job in American bank to work as a tele sales with a commission ?Notes : tele sales for credit cards and loan thank you for your help and cooperation..

Subjects: Credit cards; Islamic jurisprudence; Loans; Vendors and purchasers

Fatawa

Accepting credit cards payments by Muslim mechants : accepting credit cards by merchants and the percentage paid to credit cards issuers

Question: First, Assalamu Alaykum Warahmatulahi Wabarakatuhu ? Secondly, I have the following question I manage small taxi company, owned by an association of Muslim Brothers ; my taxi drivers are obligated to accept credit cards by law. I have to provide, ....

Subjects: Credit cards; Entrepreneurs; Payments; Taxicabs

Fatawa

Bankruptcy : declaring bankruptcy

Question: Assalamu Alaikum. I have benefited from your Fatwas and advice. It is a very useful service, please continue and Allah give you Barakat in the effort. My question is about some loans one my credit cards. I have borrowed some ....

Subjects: Bankruptcy; Credit cards; Islamic jurisprudence; Loans

Fatawa

Not paying credit cards debts : declaring bankruptcy to avoid payment of credit cards balances

Question: Assalamu Alequm I have benefited from your Fatawa and advice. It is a very useful service. Please continue and Allah gives you Barakat in the effort. My question is about some loans on my credit cards. I have borrowed some ....

Subjects: Bankruptcy; Credit cards; Debts; Islamic jurisprudence; Loans

Fatawa

Islamic banks may issue credit cards

Question: In what sense credit cards are Halal, while you take money as a credit from a Riba based bank, even though you pay them in full (so called grace period), while Islam forbade involvement of a third person in a ....

Subjects: Islamic Banks; Credit cards; Islamic jurisprudence

Fatawa

Studying and working in the other financial firms and the financial sector : working in a credit card company

Question: Assalam-O-Ailakum Warahmatullah-e-Wabarakatuhu, I have two questions. 1) Is it Haram to work in a credit card company ? even though a person is working as a programmer and his / her job has nothing to do with the interest ? ....

Subjects: Corporations; Credit cards; Islamic jurisprudence

Fatawa

Signing credit cards’ contract and using it : use of credit cards and their different transactions

Question: المعاملات باستخدام كارد الفيزا في الشراء و هل هو نوع من الربا لأنني أريد أن أطهر معاملاتي من الربا بعد أن هداني الله و أريد أن أوضح لسيادته أن المعاملات تتم على النحو 1-الشراء من المحلات التجارية 2-سحب مبالغ مالية ....

Subjects: Credit cards; Financial transactions; Installment sales; Islamic Banks; Purchasing

Fatawa

Non-interest charges of credit cards : exchange rate in credit cards transactions

Question: As Salaamu Alaikum. When you buy a product from another country, this obviously involves a different currency. Credit cards allow you to buy in another currency and charge you a "foreign exchange transaction fee" in addition to the corresponding monetary ....

Subjects: Administrative fees; Commissions; Credit cards; Exchange rates

Fatawa

Transactions confused with interest : foreign currency credit cards transaction fee, is it Riba ?

Question: Assalamu Alaikum. When you buy a product from another country ; this obviously involves a different currency. Credit cards allow you to buy in another currency and charge you a "foreign exchange transaction fee" in addition to the corresponding monetary ....

Subjects: Administrative fees; Credit cards; Foreign exchange; Islamic jurisprudence; Usury

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