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Can Muslims Use Credit Cards?

21 January, 2023
Q I am wondering if we as Muslims can use credit cards.


In the Name of Allah, Most Gracious, Most Merciful. 

All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.

Answering your question, Sheikh Mustafa Umar, President of California Islamic University, states:

Using a credit card is only allowed when you use it like a debit card where you pay off the balance every month and make sure to never pay any interest.

You must be sure you have the ability to pay every month either by putting money into your account in advance or making sure you only spend what you will be able to pay at the end of the billing period.

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For more, see these fatwas:

Is It Permissible to Make Payments by a Credit Card?

Credit Card System: Is It Riba?

Almighty Allah knows best.

Source: Ask the Scholars

About Sheikh Mustafa Umar
Sheikh Mustafa Umar is the President of California Islamic University.