الصراط
Volume 27, Numéro 2, Pages 1021-1044
2025-12-27
Credit Cards Between Jurisprudential Classification And Legal Ruling: A Comparative Fiqh Study Title
Authors : Belalem Mohammed . Bensadek Ali .
Abstract
One of the most important areas of Islamic jurisprudence is that which pertains to transactions and contracts of sale and purchase, due to people's need for them in their lives and livelihoods. Through them, their rights and money are preserved, and they are protected from falling into what is forbidden and prohibited. With the development of financial institutions, many forms and transactions have emerged that banks offer, including credit cards, which Algerian banks have begun issuing to their customers and applicants. This research aims to define their nature, explain their different types and the contracts that comprise them, and provide the jurisprudential classification of each type and contract separately, as well as explaining the Sharia ruling when combined. The research revealed a divergence of opinions among contemporary jurists regarding their rulings, and that the main point of contention revolves around the issue of usurious interest resulting from late payment, and the annual issuance and renewal fees. It also suggests that Islamic alternatives to the traditional credit card can be adopted, and that Islamic banks are capable of providing credit card services that comply with the provisions of Islamic Sharia through alternative contracts such as interest-free loans, agency, and leasing. The study clarified the Sharia controls that should be observed when dealing with these cards, including: avoiding both types of usury, and avoiding uncertainty and ambiguity. And the commitment to fairness and transparency in contracts.
Keywords
Credit cards ; Contemporary financial transactions ; Islamic jurisprudence ; Financial contracts ; Banks
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