Are Credit Cards Haram? | Ask Shaykh YQ #19
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- čas přidán 27. 09. 2019
- Something that is used in a number of people's lives on a daily basis is credit cards. It can make life easy for some, and for others, well, it depends on how they use it. But, how about a Muslim. Are we as Muslims allowed to use credit cards or is it something that has been forbidden upon us?
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Assalamualaikum, I would appreciate it if you could all make dua for me and my family. May Allah bless you and grant you Jannah without reckoning, Ameen.
Ameen Ameen Ameen
Ameen
Alhamdulillah may Allah grant you and your family ease
You to
May ALLAH give your family best of dunia and best of hereafter. Ammen
Alhamdulillah Jazakallah khair brother may ALLAH swt bless you and protect you Ameen Ameen Ameen
Jazakallaho khairan May Allah grant you janatul ferdaws
maashallaah, may Allah bless you
Thanks for describing such important topic!
جزاك اللهُ خيراً
Allah Akbar, Shk Yasir shukran, may Allah Grant you and us all guidance and Grant us Jannah Yarabbi.
Minute 16 : If a person is in need of credit card (otherwise it will be cumbersome), the fatwa is allowed as long as it's within your affordability and it's paid on time.
Go research what MINISCULE examples which anyone today would laugh at, the prophet labelled as riba.
Go research where the riba money, or your business with the banks goes to, and where it is utilized.
If you raise a fist and resent the innocent people dying in the holy lands etc, and have a credit card, then I pray that you get rid of it, for that would be hypocritical of you.
If you truly care about the matter, go listen to imran hossein about riba. Most of these shiekhs have no academic knowledge on monetary matters.
@@nox1772 yet you do have the academic knowledge? Islam isn’t just knowing what is haram and halal, we look at what Prophet Mohammad (peace be upon him) did back when he was here such as praying 5 times a day with sunnah when you have time, eating with your right hand and much more. But we over look the quality parts of his personality, we only look at the religious prayer side of what he did but never look at how he was a kind, honest, open minded person. I only see us replicating the prayer and such but never the open mindedness. Many sheikhs who seem like they know everything may be a close minded, rude person no matter how religious.
Riba is haraam as stated in Qur'an. We don't need to be more open-minded on the matter. It is a major sin @@blackmessi204
جزاك الله خيرا!
Jazakallahu Khair katheeran
Assalamualikum warahmatullah . Thank u Sir
I’ve been in 1000 hotels and paid through a debit card.
Credit card can refund you easily if things go horribly wrong ie you test positive for covid the day before leaving Jamaica and cannot get into a flight back home and now have a unexpected charge for extra nights at the hotel or your get denied boarding beacuse X airline decides to be a jerk and you need to return to work tomorrow and you get get another flight etc etc
I have a card that I am paying off, I hide it from myself wishing not to use it, yet did not cut it up.
I believe in my heart, it should stay hidden and only brought out in great emergencies,
example, emergency food or warmth etc only. not for pleasures or wants, strictly in a situation I am stuck.
like in a strange non believers town where I know nobody. . as I live in the west.
jazakaallah khair Yasir Qadhi for sharing.
There may be some islamic groups ?
Where you live?
Thank you so much . I really benefit alot from ur lectures . I'm always excited to learn something from ur videos .
Shinzu Ra he has seerah of the prophet. Highly recommend it.
Your lectures has really benefit es me ok m a new Muslim and have questions? What is the the information to ask you question s
Welcome to Islam sister ❤️ we’re all here for you
But they make you sign an agreement saying if you don't pay they will charge you x % interest. Is that type of agreement not wrong
بارک الله فیک 🌲 یاسر قاضی 🌲
Sheikh i have a question and would like to get your opinion on it.
Assalaamu'alaikum. The intro Qur'an recitation link is not working. Could you please check?
Jazaka Allah Allah khair sheikh. Can you clarify if you meant credit card that your bank gives when you open an account, which most of the time it can be used as debit and credit card, or you're referring to when you apply for one with credit card company. If that's the case, will earning points or cash bonus considered haram regardless of the actual use of the credit card is halal or haram based on each person situation if card needed or not. Please advise.
In the UK I can’t think of many Muslims that would ‘need’ a credit card because a debit card can be used for pretty much everything. Of course there will always be a few exceptions but don’t think it’s many.
16:55 is the answer
Thank you
What’s the solution on interest that was charged for 2 months without my knowledge and I have a small balance but need to resolve it
I just wanted to build my credit score since everything in the US goes through credit check? I am still okay or should I close my account.
:( can somebody help me?
what about if somebody want to pay us thru our online store with their credit card?
Jazakallah Khayr 🙏🏻
Wa'alaykum assalaam. It's not under your control whether the person paying is responsibly using credit cards and paying on time without paying interest. I use credit cards all the time and do not pay interest on mine because I always pay on time, Alhamdulillaah. It's the one using the credit cards who bears responsibility for paying on time and avoiding interest, not the stores receiving payment, so I don't see why your store would be responsible for accepting credit card payments, unless you want to be strict and lose out on significant business JUST IN CASE one or more purchasers might be irresponsible and end up paying interest from not paying their banks on time. I'm no fuqaha and can't issue fatwas, so those are just my thoughts for what they're worth, but you might want to run your question by a well-qualified scholar like Yasir Qadhi if the issue is bothering you.
what about a credit card points??
are they halal if theyre interest free??
The borrower need to give the bank their share of profits rather than paying interest.
How about taking the credit card but not borrowing money?
WHAT IF I GET POINTS FROM CREDIT CARDS ????
Watch the whole video please, and stop judging too early, the answer is at 16:40.
Where is this fatwa plz tell me
How I can ask some important question privately from dr. Yasir qadhi
Maybe Epic website
Plz visit on epic website and selected q&a option
Does the life would be very hard without it part include a situation where someone wants to buy a house and absolutely need a good credit score to do so?
I believe you need to refer the rulings on house mortgages first. The scholars I referred to would insist on renting instead of buying. Wallahualam
Mortgage is best a avoided so no need to get a credit card - this life is temporary and we are travellers, so not point building a house on the bridge to the hereafter
Only if your example you are trying to move out of a bad neighborhood which are common in Latin America and renting one misfortune can put you in the ghetto when your life is in danger with mortgage once it is paid off its yours forever
@@awakenthegreatnesswithin for renting you often need a good credit score as well. As it shows safety to the renter that they can trust you. Many owners don’t mind doing a credit check as well. It’s not really that simple depending which part of the world you’re living in
:( I need help?
I live in America where life can be difficult without a credit card so what should I do? and I would not take something which I cannot pay for
Me too
@@muhamedtouray1653 wow. Don't worry my brother Allah has a solution and plan for us🙂
@@muhamedtouray1653 me too man i m very deppressd its very hard to get halal money in USA
It is haram totally. You can use debit cards
Guys if life is difficult without the credit card then you can get it watch from 15:40 to 19:30 that’s where he answers for a more in depth answer
What about credit history in usa ??? If we want to increase our credit history in USA we have to use credit card and paid on time .. so is this haram? Or if this haram how can we increase our credit history?
That’s the trap
Situation is that I gave a good amount as credit to two persons upon the guarantte of a mutual friend, with a clear understanding that they will return my given money (in full amount not in parcels)in a months period when ever i demanded for return. after two years i demanded return of my given amount the other party started did not do so rather they started gaining time on false promises. Now three and half years have passed and they are still in no mood to return my amount. On the other hand during this delay currency has devalued significantly and still there is no clear dead line for getting money back. In such a situation can i claim extra money as compensation of my devalued amount. Kindly guide me if that extra amount would lie in ribba. ..(Jazakum Allah Khair)
The concept of currency devaluation and inflation did not exist at the time of prophet Muhammad (pbuh) maybe inflation due to gold mining but that would've been very minute that it wouldn't be noticeable during a person's lifetime.
You are not allowed to be compensated for this, it would be Riba. How do you expect the person to pay you extra anyway when they can't even or don't want to give you the original amount? Sorry brother, but you're going to have to chalk up this one as a loss and move on if they are refusing to pay you or take them to small claims court. Next time you lend someone money, ask for monthly installments instead of one lump sum after a long time.
refer to sheikh abu suhaib lecture or class for this fatwa. he has a very good fatwa for this
Look it's like qarz hasanah. If you borrow 500 and pay back by end of month, then no interest is charged, so its not riba.
czcams.com/video/Q5_kZbFk4p0/video.html
@@abdulmunazir4487 I see his point but there are scholars who have considered this and continue to accept it's allowed.
If it were to be that simple, then the discussion would not be needed, hence it is a complex matter.
How about the agreement you sign saying if I don't pay on time I will pay interest??
Even if not counting the interest in the contract as a "major sin", it is a slippery slope in trying to "justify" the reasons. Over-time one's original fortitude to guard against "threshold" of hardship becomes diluted + The reasoning "major" Scholars have supported having credit card, is not a valid argument since they can be wrong also. We can't change the pure and simple ruling of a haram and major sin unless it is a "life and death" bec in this case a person doesn't need to ravel and rent a car with credit card. He can hail "Uber or Taxi" etc.
Assalamualaikum
So many sheikh on the comment
Asalamo Alaikum
I would like to know cc account for business purpose is allowed ?
Relatedly, is it halal to claim rewards from credit cards that accumulate with every purchase?
Banks offer credit cards (loan) and charge you interest. Which is haram in the first place and if you earn money back by spending it then that earned money becomes haram income. The best way is to stay away from credit cards and give the money earned as charity to cleanse yourself. And Allah knows best.
Naser Orić
It becomes haram if it’s interest “savings” explicitly. The brother/sister is wondering about reward programs which pay you money for spending money. Like paying you $3 for spending $10.
Rather than the bank paying you interest for borrowing money.
Nonetheless people should stay away from credit cards if there’s no necessity (which large businesses who make big purchases need) considering a deal is made to pay interest incase you miss payments
@@symbiotezilla12345 Thanks, that's what I meant. And if anyone wants to share their opinion please provide some evidence. The question was actually posed to Dr. Qadhi who gives evidence for everything he says.
azaadi8
Just to answer your question, the short answer is that cashback rewards are halal since the bank is basically “decreasing the amount that YOU owe”. So if you made a purchase for $10, the bank decides to reward you with $3, then you only lose $7. The scholars pretty much agree that paying back *less than what you owe* is halal.
Paying back *more than you owe* is considered riba and haram. Like having to pay back $13 instead of $10.
The fatwa:
www.google.com/amp/s/islamqa.info/amp/en/answers/260196
Subscribtion make credit card mandatory … what to do ?
Now, has the past Afghanistan government got rid of Private banking (which through competition needs usury (riba)). I doubt the Qur'an readers only (Taliban, most not Hafiz persons) would know how to establish a pure Islamic Bank (Baytul Mal / House of Money). Iran and Saudi Arabia have both failed to establish a pure Islamic Bank system.
Is payoneer acc halal(mastercard)
They say just signing a contract and agree to pay interest in case of delay is haram, but everybody has to sign this even if they just want to open a bank account here! On top of that the landlord asks for a credit score which can’t be built with a debit card! If credit score is low then you’ll pay more! And then sleep on the street..
How can you ask question to dr qadhi? Thanks.
What?
@@DanishKhan-sh5tl how can i ask or write him my questions? Does he have any email or platform?
@@Ehan66Brother. A really got no clue. Even I'm in the same shoes in which you are
Thank you brother. If u find out any time, please, update me.
He has social media page, you can write to him there
The credit card also helps to build your credit history and score, provided you pay everything on time.
Which is useless😂 what do you get buy having good credit score? More loans, with less interest. That’s all. Credit score is the biggest scam in the west, I don’t have credit card, I don’t care about my credit score. If I can afford I’ll buy it, if not why would I put responsibility on my shoulders.
@@Aman_Hanbali it can be helpful for getting loans for cars / a house approved if one wants to. Some landlords and employers check credit history as well before hiring. It can also be helpful for renting cars and booking hotels / flights. However, I do agree not everyone needs a credit card.
10:30 the real answer starts... My lord so much going round the bush...
17:22 Summary
Authenticity of Ahādeeth are *not* based on ones emotions & personal logic.. The Prophet (ﷺ) said:
“A dirham which a man consumes as Riba knowingly is worse before Allāh (ﷻ) than thirty-six acts of Zina.”
[Narrated by Ahmad & at-Tabarāni; Classed as Ṣaḥīḥ (صَحِيْح - authentic) by al-Albāni (رحمه الله) in Saheeh al-Jāmi’, no. 3375]
& The Prophet (ﷺ) said:
“There are seventy-two types of Riba, the least of which is like a man committing incest with his mother.”
[Narrated by at-Tabarāni in al-Awsat; Classed as Ṣaḥīḥ (صَحِيْح - authentic) by al-Albāni (رحمه الله) in Saheeh al-Jāmi’, no. 3537]
I'm against Riba but I feel we should treat Bukhari and Muslim and such as the most authentic ones and treat Ahadith with weak chain as weak.
lllIIIlll There isnad is authentic, therefore we treat it as authentic, regardless which Collection it is from we treat each location individually based on its authenticity, and not as a whole.
IMC GGH These are not my words, they are the words of Prophet Muhammad (صلى الله عليه و سلم), and they are Ṣaḥīḥ (صَحِيْح - authentic), therefore, the issue you have with it is a deep one..
قَدْ نَعْلَمُ إِنَّهُ لَيَحْزُنُكَ الَّذِي يَقُولُونَ ۖ فَإِنَّهُمْ لَا يُكَذِّبُونَكَ وَلَٰكِنَّ الظَّالِمِينَ بِآيَاتِ اللَّهِ يَجْحَدُونَ
{We know indeed the grief which their words cause you: it is not you that they deny, but it is the Āyāt of Allāh that the Dhālimūn deny.}
(Sūrah al-An’ām; 6.33}
IMC GGH .. All except for the Muhadditheen,
The matter is not based on intelligence, it is based on; “Qaalallaah wa Qaalar-Rasool” - and Saheeh Dalaa’il.
..and the words of Prophet Muhammad (صلى الله عليه و سلم) are not “crap” أعوذ بالله
Its sad that as a umah we are so weak. When Allah made us so powerful and we wasted it. And now we resort to trying to legitmize haram as ribah. Especially as its the muslim lands with all natural minerals. Not to mention oil n gas. NO DISRESPECT TO SHEIKH YASIR QADHI. I completely understand and agree. Its just unfortunate that as a ummah we have come to this stage and the worse is far from over
I dont use a credit card but sometimes in the west it is very difficult to live islam
for example everybody gets confronted with fayidh in his life
Also other topics
And most of us dont do it because they search for gaps but sometimes we have no other choice
May allah forgive us all
Technically credit card is halal, but you will screw up , company will not forgive you that moment .The best way to deal with close the contract with lumsum money.So no paying any Riba or interest.
I don't think the sheikh understands the damage done by credit cards in behind the scenes.
there is something called credit backed securities.
basically banks will collect thousand of credit cards and pool it into a giant security and that security will then be sold to pension funds, and other funds like children's savings accounts, insurance companies etc.
so this is what allows banks to give credit to people they otherwise wouldn't give and trap them into debt slavery. and then knowing that they can't pay it off they sell it to pension funds.
but they can only do this because the banks pool good credit users and bad credit cards users into 1 giant security to sell it to the pension funds.
the pension funds wouldn't otherwise accept the people who can't afford to pay their credit cards. because if the banks only pooled people who can't pay the credit and tried to sell it to the pension funds they wouldn't take it. and this means the banks can't risk giving credit cards to people who can't afford it. so they wouldn't give out credit cards to majority of poor people.
but because people who are good credit card users exist. the bank can pool 95 good users and 5 bad users and sell it to as a bundle. this is why credit debt has exploded in last few decades.
so when the sheikh says the harm is only to yourself he doesn't understand the system.
an example of this was the 2008 mortgage collpase.
banks gave huge credit mortgages to people they knew couldn't afford it. as the banks would bundle the mortgages from people who could with people who couldn't and sell it to pension funds. that way the banks never lost money.
and mortgages and prices just kept increasing and increasing and then the defaults started happening. and who paid? the pension funds.
what happened to society? some women were forced into prostitution, some committed suicide etc.
as they lost their houses to the riba and others lost their pensions to the riba.
YQ saus zina destroys the whole society whereas riba only harms the individual. Doesn't he know whole countries are being enslaved by lending through riba?
The depiction of the hanafi position was quite inaccurate and problematic. What the madhhab is actually saying is:
The Muslim can TAKE (not deal in general) Ribā from a Harbī (!) Kāfir in Dār Al-Harb (land of war). The reasoning is that the harbī‘s property is halal anyway as ghanīma,
But in the west
1 - Muslims mostly GIVE and don‘t TAKE Riba.
2 - When they take Riba they take it from banks where also Muslims habe their money
3- If we call western countries dār al-harb this opens pandora‘s box
We should be careful concerning the naql of the views of scholars
From Jabir : The Prophet, , may cursed the receiver and the payer of interest, the one who records it and the two witnesses to the transaction and said: "They are all alike [in guilt]." (Muslim, Kitab al-Musaqat, Bab la'ni akili al-riba wa mu'kilihi; also in Tirmidhi and Musnad Ahmad)
And for some reason its not sahih, It's evidently hakk. Allahu Alam
Riba is worse than zina x10
DID ALLAH DECLARE WAR UPON THOSE WHO INSIST ON ZINA???
WHERE DID THE YAHUDS MONEY COME FROM??????
WHO FINANCED THE MAJOR WARS FROM NAPOLEON TILL TODAY?????
HUNDREDS OF MILLIONS OF PEOPLE DIED BECAUSE OF THE EVENTS OF 1900-
riba keeps the poor eternally poor.
Riba funds the plans of shaitan.
A poverty that could drive a man to kufr the prophet says.
If you care for your hereafter, remove riba from your life, do not commit shirk, and may Allah have mercy on you.
Salam
Hmmmm understandable in difficult situation go head right ???
Then allah says seek help through Salah and patience if we follow ur advice then when going to be patience ????
Do you have as much knowledge as the Sheikh himself?
funkymunky8787 I always listen and watch his videos, don’t have anything to say against him but in this case I can certainly say it isn’t allowed. My knowledge has nothing to do here, everything is mentioned in Allah s book
A Anwar well I don’t have much knowledge but just a general knowledge question did suhaba got involved in it in any way or so called dire situation I think they had the worse situations as far I am aware of....
A Anwar I’m sure you aren’t in a dire situation. You can avoid it and it is avoidable. It’s just people choose not to they want easier life. They do that for their own comfort and luxuries
So can anyone tell me if getting a phone with a contract is halal?
Of course it's halal because you pay for a service . When you get a contract I'm assuming you get data and minutes with it . If that's the case then no problem
With all due respect but saying Riba is not worse or equal to committing Zina. And it only harms yourself is the most ridiculous what I have ever heard. 2008 and the financial crisis who impacted many lives of people was that done by zina or by riba? The many people who commit suicide because of debt, the anxiety of having debt that's pilling up by riba and how the other parties benefit while the others are being harmed. Doesn't that affect the society at large. In my most humble opinion this is really not thought about very well by putting it that way.
Is factoring HALAAL?
Looks like he fell in to his own trap of making the ruling up before hearing the verdict based on his personal circumstance.
Brother Kash what’s your evidence?
@@francescovanspronsen2377 Well it seems that for him to travel around the world he needs a credit card.
There are scholars who are based in a single location. Travelling is not their circumstance. I know that they will say well if travelling requires credit card, then tough, don't breach the laws of Allah.
Im not saying who's right. But often we find the ruling that fits in our circumstance.
Brother Kash I agree with the last part you said, that some people unfortunately go “fatwa shopping”.
As for the sheikh, you said that it looks like he made his decision before analysing what the Quran, sunnah and scholars have said.
1) What gives you that impression? You could equally say that he made up his mind about it long before he even started needing a credit card.
2) Don’t think bad of people, even if you doubt his intention at least give him the benefit of the doubt. Only Allah knows what’s his intention and that’s between him and Allah.
3) He has given solid arguments to make the use of a credit card halal WITH some conditions so he’s most likely not wrong anyway. Alhamdulillah I’m happy for him may Allah bless him and may we keep benefiting from his lectures.
Everyone is accountable to Allah. Allah knows well about our intentions. Here Shaikh clearly said that it’s not a green light.
In the pursuit of knowledge or giving knowledge, there is rukhsah (exemption) he is not using credit card for worldly matters. That's what he means by needs. Anyone of us can use credit card if there is a need beyond entertainment and leisure. That includes travel for good purpose, medical, etc.
What about Petra being the original place of Kaaba? Haven't heard anything serious against Petra claim yet.
It wasnt Petra it was Jerusalem, and it was the place of Qibla(where you pray towards) not Kaaba
It is answered in the seerah series
@@Synocra Have you watched Dan Gibson's Petra being the real birth place of Islam documentary? Somebody credible who really knows hadiths and history needs to argue against him.
@@ncroc Pretty sure he speaks gibberish, the Kaaba was there before the Prophet SW and technically Islam wasnt there before the Prophet SW but anyway the documentary please :)
@@Synocra Here it is czcams.com/video/JOWFPTzK7D4/video.html
@@ncroc ive watched a few mins and I think he's trying to say that Mecca was Petra but then it was conquered or smth. But we've all heard about Abraham PBUH and when He left Ismail and Hajar alone in the middle of the desert, later to be known as Mecca.
If we look at the reality on the ground, we’ll see that interest banking has destroyed much of the world. Most of the Western nations are drowning in debt, and Africa has been sentenced to perpetual debt. Credit cards create and even encourage debt, and lead to poverty and homelessness. Interest mortgages have led to poverty and homelessness too. Most people that end up in debt start off with credit cards. Banks are happy to give you a credit card as they know they’ll make more money from interest, as many people miss payments or take out more than they need. As far as Islamic banking is concerned, there is no 100% Shariah option. So-called Islamic banking is actually more expensive than regular mortgages. Credit cards and mortgages should be avoided at all costs. The reason houses and goods are so expensive is due to interest based payment options being so readily available. Credit without interest is fine, but in the UK a credit card can have up to 67% APR. I am not a scholar, I am a simple Muslim, and my advice to everyone is to not take credit cards or enter interest or so-called Islamic mortgages. I hope you save yourselves from this great trial. Allah knows best.
W.M. Aslam - Author As salamu alaikum wa rahmatullahi wa barakatuh. How does one rent or buy a house or apartment in America without credit? I am very curious for your answer. Without credit we would be homeless! Allah ﷻ has allowed us to eat pork or dead meat if in a desperate situation so I believe in desperate situations we are not transgressing. How do you live without maintaining credit in a western country? Don’t tell me to move out of the west please as this is not a realistic answer!
@@Abuhaadiyah Walaikumsalam warahmatullahi wabarakatu. Thank you for your reply to my comment. I will try to answer your points as best I can.
There are seventy-two types of riba, the least of which is like a man committing incest with his mother.” Narrated by al-Tabaraani in al-Awsat; classed as saheeh by al-Albaani in Saheeh al-Jaami’, no. 3537
Are u a Hanafi???
No, he is Hanbali in fact.
He is wahabi, i.e. not following a specific school but "strongest" opinion by other wahabi scholars
@@balibhai420 He his Hanbali. In a lecture he acknowledged that he follows particular Madhab. He left Ahlul Hadith few years ago and he explained the reason of his leaving.
@@osmaniqbal6047 Could u please give us the link of that video in which he told that he has left Wahabism?...
Does it really matter? He is Muslim. And that's enough.
Astafrillagh May Allah Guide Mr. Yasir Qadhi, back to the Quran and the sunnah, upon the understanding of the Salaf as Saleh and our great scholars. Fear ALLAH in regards to leading parts of the UMMAH who don't know any better astray. SubhanAllah MAY ALLAH guide you and us all to the suratul mustaqeem
You did exactly what he said lool
@notyourtypicalfarah7194
You're too naive to understand YQ's forked tongue. He makes disclaimers in advance *because* he knows he is peddling baatil opinions. Fools believe him inspite of evidence proving his stances are untenable. He is an open sellout.
Sheik, I think you miss something , unanimously Riba is permissible in a non islamic country , only Ibn Taymiyyah has changed it 6 centuries later , he was smoking SHishah !
You have lost it again brother....
Do you realise... Your way of speaking, your usage of words... Are dangerous .... May ALLAAH عز Guide us all...
Emergency/necessity is diffrent... Like you have mentioned...
Brother... before answering, your way of getting there is really confusing ....
I wonder..... What has happened to you ????????
YQ saus zina destroys the whole society whereas riba only harms the individual. Doesn't he know whole countries are being enslaved by lending through riba?