Is it Permissible to Use Credit Card? - Dr Zakir Naik 

I don't want a war against Almighty Allah and his prophet. I would rather be on the side of righteous 😊

After a months finally all my questions have been answer mashaAllah thank you so much dr zakir naik through your youtube channel i learns so much. may Allah always protect and blessings you and your families.

Subhanallah I never knew this I have 3 credit cards when listened this I promise I will close all of them for the sake of Allah, already closed the major one as soon I heard the Dr’s statement and I ask Allah forgiveness for the past used. I travel sometimes out of the country I live and use the credit card for renting cars but I don’t care if it’s haram I will never use it again.

This is definitely a very good question

Never ever you use a credit card because you will be in a trap from which you can never come out!

I use to have credit card n I got rid of it last year alhamdulilaah, credit card is a trap of debt n u will always be in debt. I agree with Dr Zakir Naik 100%.

My question - Is drinking water halal or Haram Is peeing halal or Haram Is standing halal or Haram Is sitting halal or Haram Is reading news paper is halal or Haram Is going bathroom at 6 am halal or Haram

That was very clear..thank you Dr for the explanation.

I understand his point but in the West if you do not have credit you cannot find a place to live. You need credit to find an apartment just to lease in a lot of places.

I didn't know about this before.may Allah forgive my sins. I'll stop using credit card right away. Jazakallah dr.zakir naik

This is something I was worried about because this is all new to me. I wanted to be able to get my first car but living here in America you pretty much have to have good credit for major purchases. But when you said Islamic bank my mind🤯🤯. Jazak allah 😊

Thank you for giving us this valuable information Dr. Zakir Naik

Yes, credit card is a sick. It'll attract people to spend more which is beyond their limits. Always avoid taking that, borrow money from someone you know instead of getting credit card. Save money for emergency fund to avoid credit card. Don't fall in the trap of credit card.

May Allah wish your long life n increase your Islamic knowledge ❤ from Bangladesh

The day I started using credit card all of the Baraqat from my earning vanished. May Allah help us to get free from this trap. Ameen

Masha Allah It will help most of the people who use credit cards... Jazakallahukhair

Short answer: Credit cards are haram unless from an Islamic bank, because you sign a contract to pay riba if you miss a payment. If there are no Islamic banks near you, just use a debit card.

Alhamdulillah. Allah saved me from the credit card..

That is a very valid point, even if you just take out the credit card you have to sign to agree you will pay interest which is haram. My question is, I'm looking to get a credit card in UK so I'm protected under section 75 for purchases above £100, if they aren't delivered or are broken, the credit card company will also be responsible. I don't think Islamic banks here do credit cards

You should describe what is an Islamic Bank credit card.

Aslaam Alikum Dr Zakir. I love you...you have been great inspiration to me...i use your given references to preach many christians in London UK. Allhamdulilah. Some of my friends have converted to Islam..the truth! JazakAllah

We use Debit card. Most of them use debit cards only. Except some big business persons.

I have no idea, Nor did I ever think And now I am aware. thank you so much for open my eyes.

جزاک اللّہ خیرا کثیرا

It’s sad that in the west of the world or even all over the world nowadays we have to take out mortgages to buy a property just so that we can look after ourselves and kids for the future if still alive in sha allah. May allah guide us all. Ameen

I was under the impression that as long as we are paying before the due date and spending within limit its not Haram, i will deactivate my cards now. 1 question: what do i do if i have 0% installment going on my card for some home appliances i bought bcoz if i cancel the installment there is a penalty?? are the available rewards points permissible to use or not?

Very helpful informatic speech.. Thank you sir

May Allah forgive me and all of us that I didn't know that credit card is haram, but I canceled mine once I saw this video and done some research about it!

Allah u Akbar. I live in America. There are so many financial tricks in this country

Eid al Adha Mubarak to you & your loved ones. May this Eid energize the spirit of sacrifice in all of us. May this inspire us to sacrifice our ego, hatred and enmity for harmony & brotherhood in us. Also to sacrifice our comfort & wealth for progress of humanity. EidAdhaMubarak🤝

Great Point!! the thought came to mind, but the points you make in the vid, made it clear I shouldn't opt for it

Assalamu alaikum Dr Zakir Naik, I am Mohammed Omar from srilanka but currently living in UAE. My question is that we can perform a sunnah fast after eid ul adha till the completion of takbeer.

You cleared all my misconceptions. Love you doctor.

Assalamu aleikum warahmatullah wabaraktu I have a question If debit card is halaal, when u withdraw the money there is some charges (withdrawal charges) is dat withdrawal charges halal or haram?

Salaam dr zakir. I whant to donate money for the norway project to build a masjid there. But the only way i can do this is with a credit card. If it is haram as you mentioned in this video why do your approved site to donate only accepts creditcard payment. Please answer my question or make it so that we can pay with normal bankcard transfer. May Allah bless you and the entire muslim ummah.

JazaakAllahu khairan

Sir in that case opening savings account must also be reconsidered. It clearly mentions you will get 3-6% interest of avg balance when you sign account opening form. At one side it's guaranteed that you will get Ribah on your avg balance whereas on the other side you can atleast avoid by paying bills on time. Please put some light on this. Jazakallah.

Taqabalallahu minna minkum..eid mubarak🎆🐏🐐🐪

What about negative Interests Rates Dr Naik.....Alhamdulillah Inshallah......

JazakhaAllah khair

thank you sir , appreciated! ❤

assalamualaikum ♥️ everyone , Eid mubarak ...🐏🐑🐐🐄🐪🕋🕋🕌🕌,.. may allah swt fulfill our dreams -ameen our Eid finished😔😔🙃💖

Mashallah!!!! Thank you for this sir

Thank you so much sir. I closed my credit card account 😢😢❤️❤️❤️❤️

Is everything haram now?? Like a credit would help you build credit to let you buy a home and car with low interest rates if you just use it wisely. Just don't be stupid with it, I don't everything should be taken this serious. If I miss one payment just because something in life happens or I just forget, I'm still human and mistakes happen.

What bank is Islamic in Pakistan? In a country made in name of Allah and Islam there is not a single Islamic bank. It's a shame

Alhamdulillah.... And thanks to dr for a great answer....

Then all inrests from a bank is haram? Alot of people put their money in a bank account and take 10% intrest, is this also haram? Thanks

In western countries it’s hard to only use cash and debit plus security aspect, I think as long as you pay and can pay it’s fine to use credit card and most companies and stores have strict policies with debit cards

Uhm how about buying a car and paying it for 5 years or buying a house and paying it for 20 years is that haram also since it involves interest?

Jazakallah, it’s was a lot of help.

Channel is no longer available?

Alhamdulillah.

Beautiful words from beautiful scholar MashaAllah

What about prepaid credit cards? It's a credit card that only works if you put money "on it" like a bank account and everytime you hit the limit, the amount that was over the limit will be taken from your normal bank account without loans/riba.

MashaAllah! May ALLAH bless you with good health

Daily Reminder: Try to supplicate this dua every single day to become a habit. 1. Dua That Guarantees You Forgiveness (Sahih Al-Bukhari) Prophet Muhammad SAW (PBUH) said: "Whoever gets up at night and says: La ilaha 'illa Allaahu, wahdahu la shareeka lahul mulku, wa lahul hamdu, wa huwa ala kulli shayin qadeer. Subhana allaahi, wal hamdu lillaahi, wa la illaaha ila Allaah, wa Allaahu akbar, waLa hawla wa la quwwata illa billaah. There is none worthy of worship in truth except Allah Alone, He has no partners, He has the Dominion and for Him is all praise, and He is capable of all things, praise is for Him, and Far is Allah from imperfection, and There is none worthy of worship in truth except Allah, and Allah is the Greatest, there is no capability nor is there any power except with Allah. "Then he says: Allaahumma aghfirlee. O Allah forgive me! Or he supplicates and his supplication is answered, and if he makes Wudhu and prays, then his prayer is accepted. 2. Dua That Guarantees You Jannah (Sahih Al-Jami, An-Nasa'i, Ibn Hibban) Prophet Muhammad SAW (PBUH) said: "Whoever recites Ayatul Kursi, verse 255 from chapter number 2, Surat Al Baqarah after every obligatory prayer, then nothing is stopping him or her from entering Jannah, except one thing: Death." 3. Dua That Wipe Away Sins (Sahih Al-Bukhari, Muslim, At-Tirmidhi) Prophet Muhammad SAW (PBUH) said: "Whoever says: Subhana allaahi, wa bihamdih How far from imperfections Allah is, and I praise Him. "a hundred times during the day, his sins are wiped away, even if they are like the foam of the sea." 4. Phrases That Are Heavier On The Scales Than An Entire Morning Of Recitation (Sahih Muslim) Prophet Muhammad SAW (PBUH) said: "I recited four words three times after I had left you. If these are to be weighed against all you have recited since morning, these will be heavier." These are: Subhan-Allahi wa bihamdihi, 'adada khalqihi, wa rida nafsihi, wa zinatah 'arshihi, wa midada kalimatihi. Allah is free from imperfection and I begin with His praise, as many times as the number of His creatures, in accordance with His Good Pleasure, equal to the weight of His Throne and equal to the ink that may be used in recording the words (for His Praise). 5. Dua To Stay On The Right Path (Sahih Muslim) Ya musarrifa-l quloobi sarrif qalbi ala ta’atik. O, Allah! The One Who turns the hearts, turn my heart towards Your obedience. 6. Dua To Be Save From Totrments Of Grave Allahumma inni wa a'udhu bika min adhabil qabri O, Allah! Saves us from the torments of the grave. 7. Dua For The Best In The Dunya And Hereafter Rabbana atina fid-dunya hasanatan, wa fil'akhirati hasanatan, waqina 'adhaban-nar. O, Allah! Our Lord give us all the good of this world, and the good of the hereafter, and Save us from the punishment of the Fire. 8. Dua To Help Pay Off Your Debts (Sahih At-Tirmidhi) Allahum-makfinee bi halaalika 'an haraamika wa aghninee bifadhlika 'amman siwaaka O, Allah! Suffice me with what You have allowed instead of what You have forbidden, and make me independent of all others besides You. 9. Dua Of The Treasures Of Paradise (Sahih Al-Bukhari, At-Tirmidhi) Prophet Muhammad SAW (PBUH) said: "Shall I not tell you of a word which is one of the treasures of Paradise?" La hawla wa la quwaata illa billah There is no power and no strength except with Allah. 10. Dua To Literally Boost Your Energy Before you sleep recite: Subhana allaah 33x, Alhamdulilah 33x, Allahu akbar 34x 11. Dua That Protects You From All Evil, Magic And Affliction (Sahih Ibn Majah, Abu Dawud, At-Tirmidhi) Bismillaahil-lathee laa yadhurru ma'as-mihi shay'un fil-'ardhi wa laa fis-samaa'i wa Huwas-Samee'ul-'Aleem. In the Name of Allah, Who with His Name nothing can cause harm in the earth nor in the heavens, and He is the All-Hearing, the All-Knowing. 12. Dua To Get Prophet Muhammad SAW (PBUH) Help in Yawm Al Qiyamah (Sahih Al-Bukhari) Prophet Muhammad SAW (PBUH) said: "Whoever says the following, after hearing the call of adhan, the call of prayer I will intercede for them yawm al qiyamah." Allaahumma Rabba haathihid-da 'watit-taammati wassalaatil-qaa'imatah, Aati Muhammadanil-waseelata walfadheelah, Wab 'ath-hu maqaamam-mahmoodanil-lathee wa'adtah. O, Allah! the Lord of this perfect call, and the lord of the prayer that is about to be established, grant Prophet Muhammad (PBUH) al waseela, Resurrect him with that status, that is so praise worthy, which you have already promised. 13. Dua Forgiveness All Believers Allahumma ighfir lil muslimeena wal-muslimaat, wal-mu'mineena wal-mu'minaat, al-ahyaa'i minhom wal-amwat. O, Allah! forgive the Muslim men and Muslim women, the believing men and the believing women, the alive from them and the dead. 14. Benefits Reciting Surah Ikhlas - Reciting 3 times a day is equivalent to reciting the whole Qur'an. - Reciting 10 times a day and Allah will build for him a house in paradise. 15. Sayyidul Istighfar (Sahih Al-Bukhari, Sahih Al-Jami, At-Tirmidhi) Prophet Muhammad SAW (PBUH) said: If somebody recites this invocation (given below) during the day, and if he should die then, he will be from the people of Jannah. And if he recites it in the night, and if he should die on the same day, he will be from the people of Jannah.” Allahuma anta Rabbi la ilaha illa anta, Khalaqtani wa ana 'Abduka, wa ana 'ala 'ahdika wa wa 'dika mastata 'tu, A 'udhu bika min Sharri ma sana'tu, abu'u Laka bini'matika'alaiya, wa abu'u laka bidhanbi faghfir lee fa innahu la yaghfiru adhdhunuba illa anta. O, Allah! You are my Lord! None has the right to be worshipped but You. You created me and I am Your slave, and I am faithful to my convenant and my promise as much as I can. I seek refuge with You from all the evil I have done. I acknowledge before You all the blessings You have bestowed upon me, and I confess to You all my sins. So I entreat You to forgive my sins, for nobody can forgive sins except You. 16. Dua For Protection From Shirk Allahumma inni a`udhu bika an ushrika bika wa ana a`lamu wa astaghfiruka lima la a`lamu O, Allah! I seek refuge in You from knowingly associating partners with You, and I seek Your forgiveness for that which I do not know. Insya Allah, may it benefits you guys. This hadith and dua that I learn are from many Islamic channels like MercifulServant, TheProphetsPath, The Daily Reminder, ilovUAllah, Sense Islam, OnePath Network and more. May Allah bless the speakers, the Islamic channel teams for sharing this knowledge. May Allah grant all of us Jannatul Firdous! Ameen! Copy it, save it, act upon it and share it. Hopefully by sharing it to others will be recorded by the Angels as sadaqah Jariyah.

I really wanna hear this because I live in a country where it’s built on credit cards and everyone I know has one.

جزاك خيرا وبارك فيك

Salaam to all muslims from Turkey

If people have money in bank or home they can use cradith card for everything even charity donate as long they deposite on some

Good living requires good credit. Credit is built which eventually helps you to purchase going by your theory living in a western world is also haram

I dont know about that. But now i understand

Alhumdulilah i was thinkng to get one but In Shaa Allah will surly not get. Jazak Allah doctor

He needs to come out and condemn the IFM and free floating fiat currencies. The current monetary system is haram. If a country joins the IFM it is haram.

There is no Islamic Bank in India😕

The only issue I have is the other day I tried opening a cellphone line, but I couldn’t open it simply because I don’t have a credit card. Things like this make it impossible to live without a credit card.

The Hadith might be weak, adultery is a major sin and with a mother, I don't have a word for it. Interest is a major sin too may Allaah Almighty forgive us all.

🤣😂🤣😅 I'm big fan of you sir . . . . Joker Naik lol 😅🤣

Islam banks also charge for late payments lol. Turn it however you like modern banking are all Riba based

Thank you so much for opening our eye's

Yes you are right but there is no such thing called Islamic Bank , Since I have worked with bank before, they are all Haram. Best thing is to have Debit card

Dr. Zakir what was the reason u ran away from india

Ya Allah forgive my Sin because i am using Credit card since from 9 or 10 months, Insha Allah I will cancel my Credit card with in 10 or 12 days because at present i don't have money to pay for my bank as soon as I get the money, Insha Allah I will cancel the Card, Oh my Muslim brothers and sisters please remember me in your Duwa

SubhanAllah very important topic sir

If you don't pay your credit card amount within the free period, interest charged is on cumulative, interest on interest basis. A few months down the line you will be paying more interest than the amount you utilized on purchases through your credit card. The resultant interest goes well above the stipulated rate.

I agree that credit cards are haram because you could forget to pay just like he said you dont even know if you will have the money to pay.

The mobile phone, social media, television, you tube, loud speaker, mike etc etc.. All this technology is invented by Non-Muslims. So these are ‘Haram’ for u. Stop using them. Stop showing double standards.

Even if you pay on time you still need to pay interest.

Debit cards too have interest on over draft and you sign up to pay that. In that case I guess that’s haram too? Can someone explain this logic to me? It seems the only halal way to work and spend 100% on cash.

But we can’t buy anything in the western countries without a good credit?

The you tube he is on, they use interest $$. That means he is helping you tube get richer indirectly. Haraam

I disagree with his opinion. No one can say that credit cards are halal. I agree with this. As Dr. Zakir said, even if you pay on time. You are still risking making riba due to the fact that you signed a contract that includes it. But my issue with this opinion. Is that the Quran itself in Surrah Al Baqarah verse 173, says if you are forced to do something haram and there is absolutely no other alternative. Then you will not be punished. In some countries, credit cards are a must to live a normal life and do some basic things like rent a car, rent a home, hotel..etc. In this case, you can use a credit card as long as you will pay it in time and as long as you have no other alternatives. Lastly, I would like to say, Dr. Zakir’s sometimes goes very extreme in his views. God doesnt expect us to be 100% perfect. This is why there is religion to guide us in the first place. No need to be extreme in everything. We all agree its haram or forbidden. But sometimes you are forced to do something for a good reason. If you personally decide to force yourself to not get a credit card and sacrifice those things in life. Then congratulations, you are great mashallah. But for those, who cant sacrifice for a reason or another, it is permissible by the Quran to do it as long as they have no alternatives. (Please refer to the Verse 2:173)

Thanks sir. From Bangladesh

I disagree with 2 things in this video. This is the exactly reason for why whole ummah is poor and has no own defense and has lost humanity. 1. It's haram to take riba. Not to give riba. At least it's not written in Koran. 2. Modern banking were created around 1800 interest rate we are paying today are the cost/risk of lending money. Not exploitation of other humans. In fact. In many muslim countries in fact having not an uppertunity is more dangerous. They sell their daughters as prostitutes because of the poverty. 3. ZERO INTEREST RATE and RIBA are different. If zero interest rate. Meaning it does cost not to borrow money. Will create mega hyperinflation. Even negative interest rate or zero is still interest rate in the economy sense. 4. Credit card is not good. Because it charges a great interest rate. It's exploitation. But conventional bank loan to buy something/ products which are secured. Should be allowed. Why? Because in that sense poor people will get opportunities to buy houses. Instead of living on the streets. 5. Modern interest rates to the industry has created all the products which Sir Zakir is using. Because it's almost impossible to start a factory without a bank loan. Planes he travels with, buildings he lives in. 6. This hadith about mother is false! I don't believe prophet could have said that nonsense! 7. In future there will be no Muslim countries. If Muslims don't apply modern banking which is fair. (two percent above the state banks interest level). Because to create a good national defense requires an healthy industry which has incentives to create new products. Only with interest rates you can motivate people with that. Especially in these days. Where weapons get old in very fast speed. It's very high tech world now. 8. Again. It's not written somewhere. That we can't give interest rates to anyone. 9. Modern banks are often a corporation. Not an human. And they often has initially borrowed money from the government. Which again belongs to the people. Also you. If you live in this particular country. So, if you borrow from you. And give to yourself. It's not in reality borrowing with interest rate. 10. Credit is modern worlds blood in the economy. If no credit. All world will go back to 1500. There will be no development in any medicines. No factories. Only handcrafts. 11. Please, all ummah, should think together. And create an economic system. Which will give people incentive to stand up from the bed and go to the work. And make a product. Which someone need. 12. No humans should take interest rates of other humans. But if in need. You can give. For example in a foreign country. 12. And lastly. Modern bank system with interest rate deletes poverty! So you can have more time to pray. In 1900 not many millionaires. In 2020 many 1000 millionaires. Interest rate system/ capitalism give jobs to the people. Please dear ummah open your brain. Or their will be no Muslim countries. But many Muslims in non Muslim countries. Because only there the life will be better. Because they will be using interest rate system. 13. Is Riba same as modern interest based loan. I think No. What you think? At the end of the day we must have ijtima on all matters. If ijtima. Then it'd halal. Not only Sir Zakirs fatwa.

Is it permissible to use our brain other than blindly following an archaic cult????

جزاك الله خيرا يا دكتور... عيدكم مبارك وتقبل الله منا ومنكم صالح الاعمال

Jazak Allah khair Sir...May Allah forgive us. Ameen

brother plase answer my question. i have been asking since a long time. is law profession, becoming lawyer and advocate ( in india ) permissible for an Indian muslim or in general for a muslim? please answer this brother!!!! it is very urgent brother. I don't get satisfactory answers from traditional ulema. please answer brother. #Permissible #Muslim #lawyer #advocate #lawprofession

I'll destroy my credit card after my emi is complete inshahallah

What is the difference between an Islamic Bank and a conventional bank?

Quran says "demanding or eating" riba is haram...paying Riba is not a haram work sir...In the Quran Allah is showing sympathy with the payer of riba...How is paying riba haram? Please explain logically

ahhahahah so funny.. how does a credit card could be "haram". lol

O what is Islamic bank??? There is no bank in the world who can work without profit...... RU-vid is also Haram because it's not Islamic. Your clothes, Glasses, even A to Z all things in your house are not Islamic. You are living Haram life

Can you also discuss how we may escape the riba based monetary system that we are forced to participate in? Should we attempt to barter with goods to avoid the monetary system and/or use something like Bitcoin where possible?

Thanks sir Love from Bangladesh 🇧🇩

LIVE WITHIN YOUR MEANS !!

Jazakallah khair Dr sahab

Um So If I sign a document to take a credit card and in doing so I am accepting that if I don't pay in time I will have to pay Riba to a conventional bank - thus taking a credit card is haram - and I am waging a war with Allah and Muhammad PBUH - then when you have said I am allowed to open a current account in a conventional bank - a current account that doesn't give me interest on my money in it, if that is allowed according to your logic Mr Zakir - what about the conventional bank that has access to my 0 interest funds and uses those funds to earn money by issuing loans, investing in riba based assets. I might not be making Riba income but I am aiding and abetting the bank to earn Riba income through my 0 cost funds to the bank. Remember a bank uses deposits to issue out loans or make investments. Savings accounts just allow for some of the returns a bank makes to to be passed on to the depositor - Isn't the idea to avoid any partake of RIBA - either taking it or essentially giving it out or aiding someone else in it. Zakir your logic is flawed or your research is lacking.

Thank you for clarifying this