Dealing with credit cards while ignorant of the ruling on the added amounts
Machine translationRead the Arabic original
The questioner:
Honorable Shaykh, a man has been dealing with credit cards for five years, and he was ignorant of their ruling and did not know about the previous added amounts. He has now learned the ruling and stopped paying the added amounts, but the bank is now demanding payment, so he referred the matter to the civil courts. What is his obligation regarding the past, given his ignorance? And what is his obligation now, especially if he is compelled to pay?
The Shaykh:
This is the arbitration between him, as long as the condition between him and the bank was that the arbitration, which handles this matter, would decide. If he has accumulated money that is haram (forbidden) and he wants to get rid of it, he should put it into a project, put it into a public project, get rid of it, and not return to it.
The questioner:
May Allah reward you. Honorable Shaykh, what is the ruling on a retirement pension?
The Shaykh:
The project should be other than mosques. A sixth project, or the production of Qur'ans, or things related to the religion. On roads, or in large areas, or in other things. Yes. Among the matters of worship. Yes.
The questioner:
He says: May Allah reward you, my honorable brother.
The Shaykh:
And I am excellent, who says, "I take riba (usury or interest) and spend it on these projects?" He says, "No, as it is obligatory, but this hardship, and he has an unjust mother, what does he do? He gathers [the money]."
The presenter:
May Allah reward you
Honorable Shaykh, a man has been dealing with credit cards for five years, and he was ignorant of their ruling and did not know about the previous added amounts. He has now learned the ruling and stopped paying the added amounts, but the bank is now demanding payment, so he referred the matter to the civil courts. What is his obligation regarding the past, given his ignorance? And what is his obligation now, especially if he is compelled to pay?
The Shaykh:
This is the arbitration between him, as long as the condition between him and the bank was that the arbitration, which handles this matter, would decide. If he has accumulated money that is haram (forbidden) and he wants to get rid of it, he should put it into a project, put it into a public project, get rid of it, and not return to it.
The questioner:
May Allah reward you. Honorable Shaykh, what is the ruling on a retirement pension?
The Shaykh:
The project should be other than mosques. A sixth project, or the production of Qur'ans, or things related to the religion. On roads, or in large areas, or in other things. Yes. Among the matters of worship. Yes.
The questioner:
He says: May Allah reward you, my honorable brother.
The Shaykh:
And I am excellent, who says, "I take riba (usury or interest) and spend it on these projects?" He says, "No, as it is obligatory, but this hardship, and he has an unjust mother, what does he do? He gathers [the money]."
The presenter:
May Allah reward you
Source
قناة «العلامة الدكتور صالح الفوزان»، 45 من 64/شرح القصيدة النونية/تالله قد لاح الصباح لمن له عينان/صالح الفوزان / العقيدة / كبار العلماء — youtube.com (1:03:29)
The Arabic text is a machine transcription of the audio recording.