Ruling on the use of bank (Visa Card) cards in transactions
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[Ruling on the use of bank (Visa Card) cards in transactions]
Your Eminence! We ask regarding some banks that issue cards like (Visa Card), and perhaps the idea behind this is clear,Meaning: that the consumer, instead of dealing with shops using cash, presents this card and takes the desired goods, then settles this amount through the bank with which the client is dealing; because the condition and the contract from the beginning between the client and the bank are that if he delays payment for a certain period, interest will accrue?
Meaning: He takes a card from the bank, and if he buys necessities, he presents them to the one from whom he bought these necessities, and transfers them to the bank, and the bank pays on his behalf. But if he pays the bank within a certain period, he owes only what he borrowed. If he delays, he must pay an addition.
I say: This is forbidden; because a person’s mere commitment to riba is forbidden, whether the riba occurs or not,And this man says: I am certain from myself that I will pay before the due date,So we say: Yes, you are certain, but are you sure? The money may be lost from your hands, it may be stolen, or you may die. You are not certain.And Allah says: [al-Kahf: 23-24], and then, your mere commitment that if the period expires, an addition will be made to you, this commitment is a commitment to riba, and commitment to riba is forbidden. Therefore, we see that this is forbidden, and that it is not permissible for a person to deal with it. But if he has a balance in the bank and the seller accepts the transfer to the bank, let him do so, and the matter is easy, because it involves nothing but carrying a checkbook and writing checks to the sellers.
Your Eminence! We ask regarding some banks that issue cards like (Visa Card), and perhaps the idea behind this is clear,Meaning: that the consumer, instead of dealing with shops using cash, presents this card and takes the desired goods, then settles this amount through the bank with which the client is dealing; because the condition and the contract from the beginning between the client and the bank are that if he delays payment for a certain period, interest will accrue?
Meaning: He takes a card from the bank, and if he buys necessities, he presents them to the one from whom he bought these necessities, and transfers them to the bank, and the bank pays on his behalf. But if he pays the bank within a certain period, he owes only what he borrowed. If he delays, he must pay an addition.
I say: This is forbidden; because a person’s mere commitment to riba is forbidden, whether the riba occurs or not,And this man says: I am certain from myself that I will pay before the due date,So we say: Yes, you are certain, but are you sure? The money may be lost from your hands, it may be stolen, or you may die. You are not certain.And Allah says: