{"id":6738,"date":"2024-07-10T07:43:55","date_gmt":"2024-07-10T07:43:55","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/bank-loans-and-credit-cards\/"},"modified":"2025-11-16T21:49:27","modified_gmt":"2025-11-16T16:49:27","slug":"bank-loans-and-credit-cards","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/bank-loans-and-credit-cards\/","title":{"rendered":"Bank Loans And Credit Cards"},"content":{"rendered":"<h3>Question<\/h3>\n<p>I am a little confused about interest. Can I take loan or even have a credit card?<\/p>\n<h3>Answer<\/h3>\n<p>We  can of course take loan and also have a credit card. The Shari\u2018ah has  not dealt with the question of legality of using credit card. As for  taking loan it is allowed expressly. There is no difference of opinion  on that. As to paying interest to the lender we see that the Qur&#8217;an  commands to those who had to receive interest from people to forego the  money payable to them by way of interest. It did not ask the ones who  owed interest to stop paying it. Besides the Qur&#8217;an used the words <em>zulm<\/em> for the act of extracting interest from the borrowers. The ones who were to pay it were referred to as <em>yuslamoon<\/em> (the ones being oppressed). This implies that the payers cannot be blamed. <\/p>\n<p><strong>Answered by:<\/strong> Tariq Mahmood Hashmi<\/p>\n<p><strong>Date:<\/strong> 2015-03-02<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"6738\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>I am a little confused about interest. Can I take loan or even have a credit card?<\/p>\n","protected":false},"author":1,"featured_media":14147,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1169],"tags":[1210,2493,1213],"class_list":["post-6738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-issues","tag-bank","tag-credit-card","tag-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank Loans And Credit Cards - Al-Mawrid Queries<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/al-mawrid.org\/questions-en\/bank-loans-and-credit-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Loans And Credit Cards - Al-Mawrid Queries\" \/>\n<meta property=\"og:description\" content=\"I am a little confused about interest. 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Your prompt reply will be highly appreciated.","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6600,"url":"https:\/\/al-mawrid.org\/questions-en\/paying-interest-and-home-loans\/","url_meta":{"origin":6738,"position":1},"title":"Paying Interest And Home Loans","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Is it permissible for the Muslims living in western societies (Australia in my case) to use interest based finical products, such as home loan? Some people say that it (home loan) is totally haram. But we seem to have no other option. After all, we need to buy a house\u2026","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6404,"url":"https:\/\/al-mawrid.org\/questions-en\/the-beautiful-loan\/","url_meta":{"origin":6738,"position":2},"title":"The Beautiful Loan","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I want to know what does qarz-e-hasna mean? Is the person taking it, supposed to return it back to his creditor?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6893,"url":"https:\/\/al-mawrid.org\/questions-en\/bank-loans-and-interest-based-transactions\/","url_meta":{"origin":6738,"position":3},"title":"Bank Loans And Interest Based Transactions","author":"admin","date":"July 10, 2024","format":false,"excerpt":"1. As every one knows that in Belgium all Banks are working on the basis of interest and none of them is working without interest because that is their way of income and without that they can\u2019t run their system. Please guide that is it right that we may deal\u2026","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6657,"url":"https:\/\/al-mawrid.org\/questions-en\/bank-job-involving-credit-cards-and-balance-transfer\/","url_meta":{"origin":6738,"position":4},"title":"Bank Job Involving Credit Cards And Balance Transfer","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I work for a bank and deal with credit card balance transfers. I offer customers of other banks to transfer their balance on other credit cards over to the cards of my bank by offering them lower interest rate. What is Islamic verdict on my nature of job?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6602,"url":"https:\/\/al-mawrid.org\/questions-en\/buying-property-on-instalments\/","url_meta":{"origin":6738,"position":5},"title":"Buying Property On Instalments","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Are we allowed to purchase property in a non-Muslim country on instalments where the matter of bank interest (riba) is involved?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pgh6ci-1KG","_links":{"self":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/comments?post=6738"}],"version-history":[{"count":0,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6738\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media\/14147"}],"wp:attachment":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media?parent=6738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/categories?post=6738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/tags?post=6738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}