Does owning or using a credit card affect someone's spirituality? If interest is Haram and so badly condemned what is its impact? | Ask A Question | Al-Islam.org

Spirituality Interest Credit Card

Does owning or using a credit card affect someone's spirituality? If interest is Haram and so badly condemned what is its impact?

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	Jaffer Ali Ladak, Shaykh Jaffer Ali Ladak is from Milton Keynes in the UK and has studied at Jami'a Imam as-Sadiq (a) Hawza Imam al-Jawad (a) in Karbala and at Al Mahdi Institute in Birmingham. He is currently completing his Masters Degree in Islamic Law at the Islamic College in London. He has also authored a book on Lady Umm Kulthum, the daughter of Imam Ali (a). No Answers	Passed

Amina Inloes, Amina Inloes is originally from the US and has a PhD in Islamic Studies from the University of Exeter on Shi'a hadith. She is the program leader for the MA Islamic Studies program at the... Answered 5 years ago

I am not sure if it is possible for anyone to offer a conclusive viewpoint on the spiritual impact of using credit cards, since credit cards are quite new and are part of the institutional structure, as opposed to collecting interest from someone vulnerable in a person-to-person transaction.

However, at the least, having credit card debt causes a lot of stress, and having a credit card can also encourage overconsumption and spending beyond one's means, so it is good to be cautious of these things unless it is an emergency or there is no other option. No one ever not-regrets having to pay interest on a credit card.

As for interest in general, the Qur'an is quite clear about its impact. For instance: "Those who devour usury shall not rise except as one rises who is felled by the touch of Satan. That is because they say, 'Buying and selling are simply like usury,' though God has permitted buying and selling and forbidden usury. One who, after receiving counsel from his Lord, desists shall have what is past and his affair goes to God. And as for those who go back, they are the inhabitants of the Fire, abiding therein. God blights usury and causes acts of charity to grow...."(2:275-6)

In addition, it is related that Imam Ali (A) said: “The Holy Prophet (S) has cursed one who accepts interest, one who pays interest, one who buys interest, one who sells interest, one who writes the contract of interest and one who is the witness of this transaction.”

Sayyed Mohammad Al-Musawi, Sayyed Mohammad al-Musawi is originally from Iraq and heads up the World Ahlul Bayt Islamic League in London. Other than being involved in various humanitarian projects, he frequently responds to... Answered 5 years ago

You can use a Debit Card which does not involve borrowing and keeps you away from the interest.

Wassalam.