Using a Visa card and spending beyond the balance
Machine translationRead the Arabic original
Question:
Honorable Shaykh, what is the ruling on using a Visa card, which has become widespread these days? Its description is that a person transfers his salary to the bank and obtains this card, enabling him to spend more than his balance. Even if his balance is empty, he has the right to spend fifteen thousand riyals at that time. The bank takes from him the value of each transaction, which is nine riyals, whether the amount spent is one thousand or one riyal. What is your opinion on this?
Answer:
This is a loan. Exceeding his balance, exceeding his balance, this is a loan, if they take an increase from him. But if he only borrows the amount and they do not take anything from that, then...
The presenter:
May Allah reward you
Honorable Shaykh, what is the ruling on using a Visa card, which has become widespread these days? Its description is that a person transfers his salary to the bank and obtains this card, enabling him to spend more than his balance. Even if his balance is empty, he has the right to spend fifteen thousand riyals at that time. The bank takes from him the value of each transaction, which is nine riyals, whether the amount spent is one thousand or one riyal. What is your opinion on this?
Answer:
This is a loan. Exceeding his balance, exceeding his balance, this is a loan, if they take an increase from him. But if he only borrows the amount and they do not take anything from that, then...
The presenter:
May Allah reward you
Source
شرح الكافية الشافية في الانتصار للفرقة الناجية [ القصيدة النونية ] [ صالح الفوزان ]، بداية من قوله : وكذاك إن قلنا يُرى سبحانه — islamhouse.com (5:04)
The Arabic text is a machine transcription of the audio recording.