In the name of Allah the Beneficent the Merciful
Peace, blessings and mercy of Allah be upon you.
What is the Shari`ah ruling on credit cards?

In the name of Allah the Beneficent the Merciful
Peace, blessings and mercy of Allah be upon you.
Praise be to Allah, prayers and peace be upon His kind Messenger, family members, companions and followers.
On the Shari`ah view about the issue of owning and using credit cards, here is the decision taken by the Fiqh Assembly under No. 94: "It is likely that it is permissible to owning and using credit cards in purchasing commodities, on condition that users should abide by paying the value of their purchases within the no interest period, which is usually about 25 or 30 days. However, it is not permissible to use credit cards in drawing cash in advance because it will surely have interest charges, since the users should pay interest charges and will not be given any time period to pay interest free, so, it is prohibited to do that". Allah knows best.