His Roommate Insisted on Him So He Helped Him Get A Credit Card on Riba-Based Conditions
Fatwa No: 426544

Question

Assalamwalekum, I have a roommate who is also a muslim. Recently he applied for the credit card, it got a limit of 50 days for payment failing which he has to pay interest. The thing is, i actually helped him getting the verification done for the credit card but i didn't intended to so and didn't wanted to but he kept on insisting on this. I want to ask is the sin of him purchasing credit card is on me too and will i also be accountable for the riba ? And when the card will get delivered, will i be sinning if i accept it for him ?

Answer

All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad,  sallallaahu  `alayhi  wa  sallam ( may  Allaah exalt his mention ) is His slave and Messenger.

It is impermissible to use credit cards that stipulate Riba-based conditions like imposing interest charges on delayed payments. You should not have helped your roommate obtain that card, even if he insistently urged you to do so because of the general prohibition of cooperation in sin. Allah, The Exalted, Says (what means): {And cooperate in righteousness and piety, but do not cooperate in sin and aggression.} [Quran: 5:2]

You should seek the forgiveness of Allah and not repeat this in the future, and do not receive the card on his behalf.

Allah Knows best.

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