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- # Is using a credit card halal if I pay the full balance every month? **The corpus does not document a scholar's position on this exact question.** The citations provided address **interest-bearing debt in principle** (mortgages, banking riba) but do not specifically discuss credit cards or the scenario where a user pays off the balance in full each billing cycle to avoid interest charges. ### What the citations *do* establish: - **Yusuf al-Qaradawi** authored a widely-read manual on halal and haram that lays out the prohibition of riba and unlawful gain in financial transactions. - **Ibn Bāz** and **Ibn ʿUthaymīn** both held that conventional bank interest is riba al-nasīʾa in its pure form, with no scholarly opening to permit it even for seemingly pressing needs like home ownership when alternatives (e.g., renting) exist. - The **Qur'an (2:188)** prohibits consuming wealth unjustly; the **Prophet ﷺ** taught that Allah accepts only lawful provision (Muslim 1015). ### What this means for your question: Credit card usage typically involves a **contract that permits interest** if the balance is not paid in full. Scholars differ on whether entering such a contract is permissible…
Citations referenced
Yusuf al-Qaradawi · Sh. ʿAbd al-ʿAziz Ibn Bāz (d. 1999) · Islamic Finance Guru (IFG) · Prophet Muhammad ﷺ · Prophet Muhammad ﷺ · Qur'an (Sahih International)
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