Question:
How to live in western society without a credit card? Ex- rent, travel, credit score, etc. And how to discuss with family that wants you to get a credit card.
Answer:
According to the Assembly of Muslim Jurists of America (AMJA), in today’s Western society, especially in North America, having a credit card has become a necessity for many basic needs—like renting a hotel, a car, or leasing property.
It is permissible for a Muslim to obtain a credit card, under one condition:
➡️ The balance must be paid off in full each month, using auto-payment, so that no interest (riba) is ever charged.
Although the credit card contract includes a clause that allows interest if payments are delayed, this falls under riba al-wasā’il—interest by means. Scholars consider the contract valid, but the condition of avoiding interest must be strictly met.
So, if a Muslim lives in the West and cannot manage without a credit card, it is allowed as long as they avoid paying any interest completely.
Wallāhu a‘lam.