Connect with us

Career and Money

Credit Cards: Silver Lining During the Recession

Omar Usman



While we are all worried about the recession, and many people are facing tough times with downturned businesses and lay-offs, we are still taught to say alhamdulillah ‘ala kulli hal. One of the positives that I see coming from this crisis is that this recession may perhaps be the wake up call people needed to stop living lives financed by debts they never dreamt of paying (even when they signed up for them). 

CNN reports,

Just last month, Bank of America CEO Ken Lewis warned …  that he had no doubts 2009 would be an “awful year” for the credit card industry … Fearing a wave of credit card-related losses, banks have been aggressively setting aside funds to help cushion the blow. One problem, note analysts, is that banks aren’t quite sure just how severe the losses will be.


Facing additional losses, credit card issuers are doing what they can to insulate themselves from further losses, including lowering credit limits for some cardholders, closing accounts or getting out of the business altogether.

American Express (AXP, Fortune 500) made headlines recently after it offered to pay some of its cardholders $300 if they paid off their balances and closed their accounts by the end of April.

Reuters also gives some eye opening statistics 

Currently, there is roughly $5 trillion in credit-card lines outstanding in the U.S., and a little more than $800 billion is currently drawn upon, she said.

“Lenders, regulators and politicians need to show thoughtful leadership now on this issue in order to derail what I believe will be at least a 57 percent contraction in credit-card lines,” she said.

Over the past 20 years, Americans have also grown to use their credit card as a cash-flow management tool, she said adding that 90 percent of credit-card users revolve a balance at least once a year, and over 45 percent of credit-card users revolve every month.

I have no sympathy whatsoever for these banks that are flopping during this crisis. They made billions upon billions exploiting people, especially the poor and students, turning them into life-long wage slaves [get this DVD if you can]. The problems they are facing pale in comparison to the oppression they inflicted on others. 

This is a wake up call to everyone (Muslim or not – but especially Muslims) to stop using credit cards. Unfortunately, when someone says that people immediately begin saying things like, “But it’s not technically haram if you pay it off at the end of every month.”

Ok. Let’s grant that it’s not. That doesn’t automatically mean it is the wisest and most prudent decision for you to make. Being the person who pays off their balances and avoids riba is the equivalent of the person who drinks wine every day and has never once gotten drunk in his or her life. 

If the recession doesn’t wake you up, I don’t know what will. This is a failed system that is founded upon something that is not only haram, but one of the most destructive sins a person can partake in. We often discuss keeping things in perspective and focusing on priorities – this is one of the top priorities of any Muslim. There are not a lot of other things that can bankrupt you in this dunya, deprive your sustenance of barakah, force you to provide for your family from haram (even if your actual income was earned through halal), be on par with committing adultery with your MOTHER, and on top of that put you at direct war with Allah(swt). 

It is time to do two things,

1. Implement the Islamic financial system in our own lives, and

2. Teach others about it. 

Implementing it in our lives is easy, but comes with a high degree of difficulty. It is more mental than anything else. It requires making up your mind to not live in debt anymore, and create a plan to pay it down. If you don’t have debts, then you have no excuse to hold on to a credit card anymore. Go to the bank, take out some cash, and use it. 

More importantly, now is the time to present our solution to the rest of the world. Every single corporation in America is suddenly buckling down and being frugal. They are cutting unnecessary travel, cutting extra perks, and trying to work within their means. These are Islamic principles. 

If we want to show the world Islam can positively solve their problems, let’s start getting the message out. The sad thing is, instead of preaching this message to everyone from day one, we ourselves have succumbed to chasing the American dream by digging ourselves into the hole of mortages and monthly payments that we cannot afford. This is not the way the Muslim should live. We must be the beacon of light to others, especially in these times, to show them that no matter how bad things get, insha’Allah Allah (swt) will put barakah in our rizq because we do not live outside our means. We have learned to be content with what we have been blessed with. 

Instead of showing this example to others though, it is unfortunate that for many Muslims their only hope of freedom from the shackles of debt slavery is a haram life insurance plan that will cash out only after they are 6 feet under the ground. 

Please see our previous posts on this issue for more details on these issues.

Omar Usman is a founding member of MuslimMatters, Qalam Institute, Muslim Strategic Initiative, and Debt Free Muslims. He is a regular khateeb and has served in different administrative capacities in various national and local Islamic organizations. You can follow him on Twitter @ibnabeeomar. Check out his latest project at Fiqh of Social Media.



  1. Avatar


    March 12, 2009 at 3:57 AM

    “Being the person who pays off their balances and avoids riba is the equivalent of the person who drinks wine every day and has never once gotten drunk in his or her life. ”

    That’s an outlandish statement …

  2. Avatar


    March 12, 2009 at 7:27 AM

    The economy is collapsing because of:

    1. Based on riba, which Allah says He would destroy

    2. Allah is punishing America for its crimes in Iraq, Afghanistan, Palestine, you name it. Muslims were unable to do anything, but Allah is most powerful, He has hit them where it hurts most. Its time for Americans to repent

  3. Avatar


    March 12, 2009 at 7:53 AM

    I agree with B on the exact same statement–it’s why I decided to comment. Drinking wine is harasm even if you don’t get ‘drunk.’ the very first drop is. But if spending on a card happens WithOut RIBA, then I don’t understand how it is haram. Maybe you can elaborate on that point, or else it seems your analogy is false.

    Sometimes spending on a credit card is the only logical possibility, with sites that don’t accept online payments any other way (I.e., paypal or debit.) I just paid for an Al-Maghrib class that had to be on credit card for instance. And I sometimes prefer to put gas on a credit card so I cal fill up without making two trips inside or more, especially when traveling. There can be some shady people around gas stations.

    But hey, if you can prove it’s haram–EVEN if the balance of every expenditure, then that would naturally trump everything else. So, is it?

    • Avatar


      May 28, 2009 at 11:53 AM

      Most muslims don’t know that Riba is not just interest, it includes the very money you have in your pocket. The fractional reserve debt based paper money is Riba. period.

      So brothers analogy of moderate wine drinking to Riba money is quiet spot on.


      • Avatar


        August 9, 2013 at 5:10 AM

        Someone who understands the debt (riba) based currency that is world wide.
        Fractional Reserve Banking is based upon constant Riba. But how do we get away from it? That is a serious question to answer….

  4. Avatar


    March 12, 2009 at 7:56 AM

    I have to agree with B, that’s taking it a bit too far. I think a better analogy would be a person saying that he would drink a glass of wine if such and such did or didn’t happen.

  5. Avatar

    Ibrahim Z Mohammad

    March 12, 2009 at 8:46 AM

    Jazaak Allaah khayr for a very beneficial article. I’m sure its going to touch lot of nerves – after all credit cards are part of the American lifestyle which most of us have whole heartedly adopted – but the deen is sincere advice and inshaaAllaah there’ll be many who’ll appreciate such reminders.

  6. Amad


    March 12, 2009 at 8:51 AM

    Good article and reminder. I think the economy is still strong enough to allow the government to essentially rebubble. If you go back to the 80s and early 90s, you will see remarkably similar episodes (not all at the same time and not all at the intensity of today). I think what has FUNDAMENTALLY changed is the age of communication and instant news. No longer are bank failures in one part of the country “local news”. Bad news at one spot drives confidence level down everywhere, and now globally. Our connectivity is becoming a cause for connected-panic. When people panic collectively, and confidence goes to the amazingly low levels, then people stop spending (not just on CCs, but spending completely). And then the engine of the economy starts ceasing up. Macroeconomically speaking, this new age of internet is what makes the situation so different now.

    I think the credit-card crises is not as significant now as it will get… there is a belief that this will be the next major “shock”. How long can people just pay minimum balances or transfer balances to avoid default? If employment doesn’t turn around, then defaults will as common as foreclosures, which is scary to say the least!

    Being the person who pays off their balances and avoids riba is the equivalent of the person who drinks wine every day and has never once gotten drunk in his or her life.

    I think this statement is exaggerated, from an Islamic perspective, right? I know you are trying to use hyperbole to make a point, but if you said something like it is equivalent of a person who opens up a can of beer ready to drink it everyday, will eventually drink it… I think that would be a bit more appropriate. Because even though I agree that just being on the hook for interest (signing the contract) is pretty bad, it can’t be equivalent to drinking wine.

    Hassan: I think riba is definitely a problem, and until the economy can support bubbles, I don’t see a big change coming. Eventually, it will hurt. As for punishment, only Allah knows. No doubt injustice is being seen by Allah, but I don’t think we can make such definitive connections. wallahualam.

    P.S. I just pulled out a couple of comments from spam related to the same wine comment… so if I had seen them earlier, I wouldn’t need to add my bit.

  7. Avatar

    Uncle Tom

    March 12, 2009 at 10:09 AM

    Being the person who pays off their balances and avoids riba is the equivalent of the person who drinks wine every day and has never once gotten drunk in his or her life.

    This may seem outlandish…but it is true to some extent.

    The reason a Credit Card is Haraam is because you sign a contract agreeing to “Pay interest in the case of not meeting minimum monthly payment”. It does not matter if you pay it off monthly without actually accumulating interest. The contract is what makes it Haraam.

    It’s very easy to say that the conventional financial system sucks and Islamic Finance is better. However, Islamic Finance is basically offering conventional products taking out the haraam aspects from it. We need to design some new models and products, instead of modifying existing one’s.

    • Avatar


      August 9, 2013 at 5:15 AM

      >“Pay interest in the case of not meeting minimum monthly payment”.
      Even if you pay the minimum monthly payment you will still have a balance upon wich interest will be charged.

      Use Debit Cards only. You never get into an interest paying situation that way and you never incur debt to the banking institution. If you do not have the case for an item, don’t buy it.

      Do not own a credit card, because it carries with it an implicit acceptance of a riba based debt.

  8. ibnabeeomar


    March 12, 2009 at 10:36 AM

    many of these arguments were covered previously:

    but anyway, i think people’s reactions to this indicates one predominant attitude – we are TOO LAZY TO CHANGE.

    we have become accustomed to a riba based lifestyle where we finance our entire lives on temporary debts. whether its halal or haram is almost a side issue at this point (especially in light of the recession). its simply not a good idea to have them.

    regarding the wine analogy, i hold by it 100%. you are playing with fire. over 90% of americans are carrying a revolving balance on their card at least once a year. if you don’t think ‘muslim americans’ are included in that category then you are simply living in a bubble. and it doesnt have to even be a revolving balance. i myself have been hit with riba even when paying off the balance at the end of the month. you know how? i paid online and the cash didnt clear through my bank until 24 hours after the payment deadline. yes, its a slip. its a mistake. but when you play with fire, that’s what happens.

    so yes, it is like saying you’re going to drink a glass of wine every day and not get drunk. you’re playing with riba every day without actually trying to get into riba.

    we need to get out of this mentality of trying to justify using them, and instead realize that their harms are DESTRUCTIVE, and encourage people to start living their lives without them.

    alternatives to credit cards were also discussed in the previous series (see the “previous posts” link at the end of the article) but it suffices that you can use a debit card for online purchases. alhamdulillah i havent used a credit card for anything in at least over a year and that includes travelling [flying and driving] and an above-average amount of online purchases.

    *look into getting a visa debit card. they can be swiped as “credit” as far as the merchant is concerned, but it comes directly out of your account.

    when there is a will there is a way. muslims simply often lack the will and mask it with these debates while happily continuing on partaking in a riba system daily.

    • Amad


      March 12, 2009 at 11:01 AM

      so yes, it is like saying you’re going to drink a glass of wine every day and not get drunk.

      yes, “going to drink” is a better analogy. “And not get drunk” would be better served by “and not actually drink”. And, yes you are still playing with fire.

      A constant act of sinning is not the same as the potential of sinning and also not the same as the one-time possible sin of the contract-signature.

      Regardless, I agree that there is no excuse for a credit card. I have had no credit card for the last 15 years I think.. the check-card takes care of all the credit-card needs, and my Amex takes care of the rest (no interest contract or terms of interest).

  9. Avatar


    March 12, 2009 at 10:44 AM

    Use a “Check card” :-D It’s like a credit card but it takes the money ASAP straight from your account.

  10. ibnabeeomar


    March 12, 2009 at 11:25 AM

    one more point on the drinking analogy:
    i’m not trying to make it a shar’i comparison – ie the act of using a CC is the shar’i equivalent of drinking a glass of wine.

    rather – my point is that a person thinking they can use a CC day to day, responsibly, and never be hit with a late fee, missed payment, revolving balance is as naive as a person who drinks “responsibly” 100% of the time. i hope that clarifies it a bit :)

    • Amad


      March 12, 2009 at 11:47 AM

      yes that does clarify more than a bit… without the fiqhi POV, it’s a solid analogy.

  11. Avatar


    March 12, 2009 at 11:31 AM


    Jzk Khair for the reminder.

    Just a note though: you said that riba was like committing adultery with your mother. This is clearly a repugnant thought and actually incorrectly held by many Muslims to be the case because of a “hadith” of the Prophet. It isn’t.

    Sh Abu Eesa wrote about the hadith on this issue all being weak. It’s an excellent piece and well worth a read for you especially.

    The Use of Certain Weak Hadīth in Promoting a Ribā-Free Society

  12. ibnabeeomar


    March 12, 2009 at 11:56 AM

    rami – im curious as to what kind of debit card it was? as far as i know visa debit cards offer the same protection that they do to credit cards.

    in any case, there’s always creative ways around it for online purchasing if one wants to avoid using a credit card:
    1) paypal
    2) go purchase a visa gift card and preload it with the needed amount of money
    3) go to the store with cash :)

  13. Avatar


    March 12, 2009 at 12:01 PM

    A couple points:

    Uncle Tom: we should be very careful in stating a certain transaction is haram or not. We must first have a good working knowledge of the ahkam regarding contracts. In terms of trasactions generally speaking scholars (specially ahnaf) divided them into three categories, Sahih, Batil, and Fasid. A batil contract is haraam, but a fasid contract is not necessarily so. Without going in much detail, the language of the contract on any credit card does contain elements violating ahkam sharii’ya but since it doesn’t necessarily affect the overall transaction (e.g. one can pay in full and on-time) the transaction may be just fine. In this case many scholars have considered the contract of credit cards to be fasid not batil. Again a fasid contract has some issues with it, but we cannot say that it is haram. Again, this does not do justice to the subject, but realize fiqh of contracts is huge body of law and has a lot of literature devoted to it. Let’s seek knowledge before passing fatawa.

    IbnabeeOmar: As far as changing our lifestyle, this is fine if you’re lifestyle is not financially disciplined. But what if your lifestyle is one of fiscal responsibility, and not getting into direct riba is at the forefront of your mind? I know several bros. who operate like this. So let’s not assume that those who are disagreeing with your comment are doing so 1) because they have a lifestyle of fiscal and sharii carelessness, 2) and that they are too lazy to change. Secondly, if you think that credit cards are part of a riba system (which undoubtedly they are), realize that if you have your money in even a non-interest bearing checking account, that bank is also part of the riba system, and moreover, your money in the bank is being borrowed to in fact work in that system. These banks don’t just let your money sit there, they invest it. So let us please be consistent in our reasoning. We need to search for more depthful solutions, and acknowledge we are all in this mess together and it is primarily due to the fact that Islamic law receded from governing the public domain to devise economic models and systems that incoporate ahkam shariyyah, and because the ummah receded in this manner, naturally an economic system that would not yield to what Allah and his Messenger want from us enveloped us all, and we’ve been at a point in history where we may even stay away from riba directly, but it touches us indirectly. The hadith of the Prophet asws has come true: “There will certainly come a time for manking when everyone will take riba and if he does not do so, its dust will reach him” (Abu Dawud, Ibn Majah). Our time is really better spend understanding the current economic system (which quite frankly we understand bits and pieces), and studying and devising how to bring back an economic system that is relevant to our condition, can create wealth and satisfy the needs of all people, and most importantly issues from a complete commitment and adherence to ahkam sharriyyah. These are very complex issues, but this is what we need to invest our resources, talents, and money in.

    • Avatar


      August 9, 2013 at 5:34 AM

      I can only speak for myself and Allahu Alim!

      But often times the complexity grows from our desire (or supposed need) to avoid the obvious.

      In a credit card contract, you specifically agree to pay interest given a certain set of circumstances. Thus you have agreed to disobey Allah(swt) should you meet those circumstances that require the paying of riba; ie A debt carried past 30 days.

      This point is not complex, by signing a credit card contract you have entered into an agreement to pay interest to the debt holder irregardless of Allah’s edict.

      To paraphrase someone Else’s analogy, its like saying that if you come to the party late, you agree to drink wine as a penalty. Even though you intend to arrive on time, you cannot control the circumstances, Allah(swt) does and you might arrive late despite your best efforts. The right way to view this is to not agree to participate in the party to begin with because alcohol is involved.

  14. Avatar


    March 12, 2009 at 12:23 PM

    I have used a Visa Credit card for the past 5 years and alhamdulillah, I’ve avoided interest. That being said, I have had my share of close calls and so I can definitely understand the author’s POV.

    @ Br. Amad,

    I would appreciate it if you could provide more info on the AMEX card. Does it work just like a credit card without the interest contract? If so, then how do they make a profit and what do they do if people don’t pay on time? What would happen to me if I forgot to pay my balance at the end of the month?

    Jazakallahukhair for the articles and comments. I think it would be really helpful if MM wrote a follow up article discussing alternative methods to credit cards (in more detail). Most people, myself included, are extremely dependent on credit cards and it would be quite difficult to leave without viable alternatives.

    • Amad


      March 12, 2009 at 4:02 PM

      Amex does not have an interest-based contract for their “charge” card… they also have credit cards available, so make sure that you get the charge card.

      How they make money? Actually, the way most CC make money is not just because of interest but because there is a fee associated with the transaction. So, when you use your MC/Visa/Amex, anywhere from 1-3% of the transaction price goes as fees to the CC company. Amex has the highest fees usually, closer to 3%. That is why some vendors won’t accept it (about 20%). Thus, if you spend $1000 a month on Amex, the company is making about $30/month off you.

      Also, since Amex doesn’t have interest, it supplements the merchant fees by charging an annual fee, ranging from $55 to $150. Many times, this is waived for the first year, and if you make enough noise, they might waive it in future years too. Some of the neat free features you get is that they have several protections on purchases, as well as protecting you in disputes better than any other credit card (I disputed on my VISA chk card only once and they sided with merchant, vs. several times with Amex and won every time). They are known to be more customer-friendly than merchant-friendly. Again, another reason some merchants don’t like Amex.

      Finally, what if you don’t pay or you are late? I think if you don’t pay for a couple of months beyond your due date, then you will get penalties charged. And these are fixed penalties, not based on percent of your charges. It is fair for a company to charge out-of-pocket costs for collection purposes; now whether they are exact on this or not, I can’t be sure, but it is not unreasonable. In over a decade using Amex, I have never had a late-fee, and I have paid late a few times. What happens with late payment is that you don’t get points for your dollars (used for miles, etc.), so that is a discouragement against late-fees. Oh, the points are great by the way…one of the best in the industry.

      I have seen a few of the Shayookh use Amex, and I have yet to hear anyone make a legitimate case (or any case at all as far as I remember) that it is forbidden.

      So, between an Amex and a Check-card, you are covered. And that is why, Sr. Amy, there is no reason to take a risk, when there are legitimate and sufficient resources and alternatives available. This is coming from a person (me) who almost never carries cash.

      P.S. Important: I do NOT work for Amex, just in case you are wondering :)

  15. ibnabeeomar


    March 12, 2009 at 12:32 PM

    MUA – i agree about keeping your money in the bank 100% – but we do whatever we can inshallah, and i think avoiding credit cards is a good SOLID step in the right direction.

    amad – can you give more details about the next ‘shock’, ive been wondering myself about that. what happens if everyone starts defaulting on a mass scale?

  16. ibnabeeomar


    March 12, 2009 at 12:33 PM

    learningarabic – the previous articles touched upon it. check out the debt/finance series (linked to at the end of the original article).

    but basically you have cash, and debit cards.

  17. Avatar


    March 12, 2009 at 11:34 AM

    Asalaam Aleikum Warahmatullah Wabarakatu,

    Omar, one questions regarding the use of debit cards only: they don’t offer certain consumer protections that credit cards do, such as fraud protection and the bank will not argue/cancel purchases from vendors on your behalf. I know someone who had a big issue with this a while back with her debit card, and still hasn’t gotten her money back from either Fedex or when she purchased an mp3 player which never showed up. Since with a credit card, the bank pays the vendor after a certain amount of time, they can freeze the purchase in case of fraud or faulty vending, and reimburse you the amount.

    Although, sadly I see all the comments including my own revolving around the one line in your article and ignoring the rest. The article is beautiful, and seriously Muslims and Americans in general need to stop thinking that credit is free money. Paying 25% interest is absolutely insane, forget about haram; the fact that it will take 30-40 years or so to pay off any amount with by minimum balance only is unbelievable. The prior series which you ran on MM on debt was very good as well and I think everyone should read it.

    • Amad


      March 12, 2009 at 11:50 AM

      Rami: U’re right about the risks of debit, or even check cards. That’s why I always use amex for transactions unless they don’t accept it. Amex protects customers better than any card on the market. It has a yearly fee for using the convenience, but its worth it in my opinion…

      sadly I see all the comments including my own revolving around the one line in your article

      it’s kind of a trend on MM :) readers keep authors on their toes all the time!

  18. Avatar

    Abû Mûsâ Al-Ḥabashî

    March 12, 2009 at 1:40 PM

    The analogy I use with people when explaining why I don’t use a credit card or take it out student loans has to do with the contract: Signing a contract where you promise to add interest if you’re ever late in your payments is equivalent to promising you’ll commit zina with your mother if you’re late in your payments.

    P.S. I’ve read Abu Eesa’s blog entry before but within the comments there are people who themselves have familiarity with the ḥadîth sciences who heavily dispute his analysis – therefore I still consider the ḥadîth acceptable and use this analogy.

  19. Avatar


    March 12, 2009 at 1:59 PM

    If I could see that actually using a credit card, while paying off the balance before interest was charged was haraam, then I would see the equivalence.

    But as yet that’s not been shown. It is more convenient to use a card sometimes, obviously, but I would hate for someone to say that we (collectively as Muslims, and even me personally) are lazy just because we refuse to change, without actually being shown that a certain behavior is haraam.

    If I could understand why you’re making that claim, then obviously convenience would take a backseat to Shari’ah. I know that most of the time there is an alternative to using a credit card, but if it is actually haraam to use a credit card, that should be made clear, and I for one wouldn’t object to sticking by that opinion.

    If there’s proof.

    Otherwise it’s just saying credit cards are bad and risky–and that much, while kind of obvious I guess, can always be reiterated.

  20. Avatar


    March 12, 2009 at 2:02 PM

    ^ I understood the analogy as it’s almost impossible to not fall into riba..

    Kind of like a drunk person driving, thinking he won’t get into a car accident.

  21. ibnabeeomar


    March 12, 2009 at 2:10 PM

    amy – 90% of people who use a credit card fall into interest. i dont know what else to say. you might be responsible with your use of it – but that’s my point. that is about as common as a person who drinks responsibly 100% of the time.

    whether credit cards themselves are haram or not is really irrelevant. their use is a DIRECT and MAJOR cause of people falling into interest-bearing debts. a simple mistake of being late with a payment (even if in full) DIRECTLY results in you paying interest.

    Being at war with Allah (swt) over this sin far outweighs any of the “convenience” factor that they hold.

    also i have given some fiqh opinions about credit cards from the scholars in the previous articles, so i dont want to rehash that here. but i dont think anyone can disagree that as a practicing muslim its better not to sign off on an interest-laden contract if you don’t have to.

  22. Avatar


    March 12, 2009 at 2:34 PM

    I’m sorry ibnabeeomar, your reasoning is fundamentally flawed. Amy’s point is on mark. No one on the forum has suggested that credit cards are risky. That is agreed. The problem is you keep using that ridiculous analogy to drinking – which is ostensibly haram even in minutae, and then say the issue of credit cards being haram or not is irrelevant. Aki al-kareem, you cannot have it both ways. Your responses are replete with references to fiqh (e.g. it’s better not to sign off on an interest-laden contract; being at war with Allah). And you know there’s no such concept as “drinking responsibly” in Islam because it is haram outright, so why then are you trying to liken it to using credit cards responsibly [unless you truly believe that using credit cards are haram]?

    Btw, even if you are late on a payment once in a while, all you have to do is call the company, and let them know you’re a good customer who usually pays their amount on-time, in-full, and they’ll usually waive it (finance charge and late fee). In fact companies have policies on this, in the industry they usually give this waiver twice a year, it differs slightly from one company to another.

    The benefits of using a credit card responsibly is not just its convenience, but also its security, talk to a person who has lost a lot of money because a wallet or purse was stolen. If that happens with a credit card it’s not a problem. Sis. Amy is right, convenience and utility of preventing harm takes a back seat to nass (text) of Shariah, but if you can’t prove it’s haram to begin with, then these benefits need to be considered along with the risks.

  23. Avatar


    March 12, 2009 at 2:44 PM

    Jazakallahu Khair for the links ibnabeeomar.

    I had one more question::

    How would you go about renting a car or checking into a hotel room? Usually, they ask for a credit card in these situations before letting you rent or check-in. Are there ways that you have discovered to get around these situations?

    Please share :)

  24. Avatar


    March 12, 2009 at 2:47 PM

    I think we need one of our MM Shaykhs to comment on using Credit Cards , as I saw him using one :)

    I’ll give you a hint on who it is: the card was an Amazon credit card.

  25. ibnabeeomar


    March 12, 2009 at 3:26 PM

    learning arabic – i have used my debit card for hotels a few times without any issues.

    i haven’t rented a car in a while so i can’t answer 100%, but i have heard people saying they used debit cards, and also some saying they couldn’t. thats about the only scenario i know like that though. but i have used debit card for both airline + hotel (both reservation, and at check-in for incidentals) multiple times.

  26. Avatar


    March 12, 2009 at 3:30 PM

    I believe for car rentals, you can show them utility bills

  27. ibnabeeomar


    March 12, 2009 at 3:32 PM

    atif – i really don’t want this to be a halal/haram discussion. anyone who gives it even a cursory look at fatwa websites will see the varying opinions from:
    Haram because of the contract to Halal if you know you can pay it off.

    I really don’t want to focus on the halal or haram of it. My main point is that regardless of its technical status in shari’ah, credit cards are NOT a good option because 9 times out of 10 (literally) a person will become involved in riba at some point whether intentionally or unintentionally. Moreover, the basic Islamic principles teach us to live without debts. When a person spirals into using credit cards for everything, then it begins to spiral out and many people lose control. That’s why the average american household carries roughly 5-8k constantly in credit card debts. i personally know of practicing muslims who have held anywhere from 1k to 20k+ in CC debts – and believe me not a single one of them was doing it on purpose, rather all started out with “i pay it off at the end of the month”

    just because something is technically halal doesn’t mean we need to justify it tooth and nail. staying away from credit cards is not only more islamically sound, but fiscally as well.

    i feel that if i posted a warren buffet article about how the first step to prosperity is cutting up your credit cards, more people would be amazed and try to implement it as opposed to trying to sell finance-free living as islamic :)

  28. Avatar


    March 12, 2009 at 3:53 PM

    Omar: I didn’t intend to make it a halal/haram discussion, and I do agree with you for the most part.
    My question is, is it really impossible to use credit cards without spiraling into using it irresponsibly?

    Also, how would you respond to those who justify using credit cards (for small recurring purchases, like phone, utilities, for example) for earning free flights, points, etc.? (btw, is that aspect halaal? earning points?)

  29. ibnabeeomar


    March 12, 2009 at 4:06 PM

    atif – go back and read the debt/finance series posted before :)
    and also read dave ramsey’s total money makeover :)

    as for recurring purchases, i have set up automatic payments through the online checking at my bank.

    • Amad


      March 12, 2009 at 4:13 PM

      I would say though that I agree with a few here that just a debit card is not entirely practical. Even just a check-card is not what I could recommend. Especially with the many unscrupulous merchants, not to mention online shopping, I could not afford to have my checking account wiped out and then wait for the dispute to resolve and get my money back. So, I think there has to be an alternative where there is a 3rd party in the middle. Paypal is good, but they don’t provide sufficient protection and my experience with them is that they are much more merchant-friendly, and very hard to deal with. If there wasn’t an Amex, I’d have to think hard about my options :)

  30. ibnabeeomar


    March 12, 2009 at 4:11 PM

    atif: My question is, is it really impossible to use credit cards without spiraling into using it irresponsibly?

    did you totally skip the wine discussion? :)

  31. ibnabeeomar


    March 12, 2009 at 4:21 PM

    amad – thats why you just use good ole cash whenever possible. in the past couple of months i have even stopped using my debit card for gas, i even pay gas with cash now despite the extra inconvenience.

    the ONLY time i have swiped my debit card lately is if its an online purchase and i cant use paypal. for bills and other things i use online checking. but its a good idea to limit your online shopping to major retailers (amazon etc) so you don’t have to deal with unscrupulous merchants (i wouldnt buy from there even with a ‘protected’ credit card).

    also i have had an experience with an unscrupulous merchant charging 1500 on my credit card (a shady moving company that ripped me off). i actually filed a dispute through my CC company and won. The charge was taken off my card. Then after a few months, the company somehow refiled it and got the charge back on. i contacted visa and they said there was nothing i could do. so at this point i had to

    a) pay out of pocket for an attorney, try to sue, and hope i win my money back
    b) foot the bill and possibly pay interest if i was not in the position to absorb an unexpected $1500 expense.

    at some point we have to just ask Allah (swt) to guide us to doing these things in the way most pleasing to Him and have tawakkul that our transactions will have barakah and we dont have to deal with situations like that :)

  32. ibnabeeomar


    March 12, 2009 at 4:32 PM

    visa’s protection on its debit cards:

  33. Avatar


    March 12, 2009 at 4:40 PM

    Omar: Yes, I did skip that discussion. :) will do, inshaAllah.

  34. Avatar

    Siraaj Muhammad

    March 12, 2009 at 5:39 PM

    Amy and the rest – the fundamental question to ask is very simple – do I want to involve myself in a transaction in which the consequence of failure, even a 1% possibility, results in:

    1. Going to war with Allah and His Messenger.
    2. Potentially fornicating with mom in front of the ka’bah (depending on if you accept this narration or not).

    Myself, no thanks. It’s like saying, “Sure, I’m good with balancing myself, and I’m not afraid of heights, so I have no problem walking on the ledge of a skyscraper if you’ll pay me $5.”

    You’re taking a huge risk for such miniscule benefits. Get a debit card, and you can have the strengths of a credit card and carrying cash without the weaknesses of either.

    As for ensuring purchases and catching fraud, mine is with Chase Bank and they’re always looking for and catching fraudulent transactions.


  35. Avatar


    March 12, 2009 at 7:01 PM

    i use my debit card 99% of the time in most b&m store, but for 1% of b&m purchases, for online purchases, and for international travel, i use a credit card.

    i think there are ways to use a credit card “more responsibly” as a muslim (for those, like myself, who will still use the card) – not just by paying the balance off at the end of each month.

    for example, is let’s say you purchase a book on amazon using a credit card. as you know, you are not billed for it until it actually ships, and the payment isn’t due for up to 2 months.

    so instead of waiting until you get a bill to pay it, right when the purchase is complete, you could pay for it immediately, before it’s even shipped or passes as a valid transaction on the card. you won’t get credit card bills as a result because you will have online bill pay their credit card several times a month (following any expenses made). doing this, you won’t have to pay when a bill comes because it’s always on a zero balance before the bill arrives.

    this way, there’s no 10% risk of riba because the moment you use the card, you pay it off the same day and don’t wait for chance that something may happen. if one were to get laid off the next day and get all their money taken away by the government, etc – they would still have no debts, because all of their cards would be paid.

    no one will argue that riba is a huge risk and very dangerous (and haram contract as you pointed out) – but if you take the right steps, you can minimize it. maybe this is not good enough and one needs to pay the credit card first and then charge the item later – one could do that as well.

    using this method, the risk is tantamount to that of using a debit card or check card or whatever. you won’t have any problems unless some emergency happens and you have no money in your account when the charge goes through. using this method, however, you are safer than with a debit card because the debit will bounce and you’ll be charged, whereas with credit card, you’ll have 7 weeks to get the money to pay it (or to return the item or cancel the service or whatever it is).

    regarding the small benefits of a credit card versus a debit card, i think that “peace of mind” is a huge benefit – knowing that if any fraud happens, you can get your money back. building credit, getting points, etc are smaller benefits. i mainly do it for peace of mind, because i don’t trust using my debit card online or while traveling internationally, etc.

    wa Allahu a3lam.

  36. Avatar


    March 12, 2009 at 7:14 PM

    I have been sooo close to paying interest its not even funny, but alhamdillah I have been saved everytime.

    Credit cards are a really really bad thing if you can’t control yourself and insha’Allah I will get away from it soon,

    Question: does anyone know if we can use the frequent flyer miles from our cards and other gifts from using their service?
    (each credit card purchase charges a service fee to the restaurant/gas sation)

  37. Avatar


    March 12, 2009 at 8:10 PM

    Siraj, your argument like Ibnabeeomar, doesn’t pan out. If you want to talk about risk vs. benefit, you also need to break down your risk. There are always two components to risk: 1) probability; 2) impact. What you’re talking about is impact. No one is doubting riba is haram and was stressed time and time again in the Quran (whether the specific hadith about intercourse with your mom is truly authentic or not, the hukm still stands). But again, if you have a lifestyle that is fiscally responsible, and you use your credit cards responsibly, then your probability is nil, and if the probability of risk is viritually zero the impact will not come to fruition. Also, even if there is a slight probability of not paying off the balance on-time, there is recourse to ensure for those who have a track record and lifestyle of being responsible that no interest will be accrued.

    But again, we Muslims get caught up in spending a disproportionate amount of time on issues of how i can carve out a halal living inside an abyss of haram, and not nearly putting more of our intellectual capital and capacity to use on how we may be able to create a new paradigm and worldview that does not force us to halalize a sytem that is through and through not based on wahi. Again, realize our problem is much bigger than credit cards, even having a checkings account as i mentioned before is problematic since it is saturated with riba. I just think we shouldn’t have a false sense of security in condemning credit cards and promoting debit cards. We’re barking up the wrong tree.

  38. Avatar


    March 12, 2009 at 8:49 PM

    Check cards zindabaad

  39. Avatar


    March 12, 2009 at 10:14 PM

    I can see Daniel Pipes at it now “Major Muslim Blog says Credit Cards are unlawful and calls for Shari’ah”

    And Irshad Manji responds, see this is what happens when you don’t make ijtihad.

  40. Avatar


    March 12, 2009 at 10:30 PM


    But again, if you have a lifestyle that is fiscally responsible, and you use your credit cards responsibly, then your probability is nil, and if the probability of risk is viritually zero the impact will not come to fruition. Also, even if there is a slight probability of not paying off the balance on-time, there is recourse to ensure for those who have a track record and lifestyle of being responsible that no interest will be accrued.

    There’s no such thing as probability nil for a human being making a mistake on any matter. The more fiscally responsible, yes, the closer to nil, but never nil. Going back to my analogy, a construction worker who is not afraid of heights and walks steel eye beams for a living has a far less chance of falling than the average joe, but fall he can, the same as a skilled swimmer can drown, despite their skill.

    As for your second point, yes, it is possible to call up and work it out, but it is also possible that it doesn’t work out, and I have seen that happen to “fiscally responsible” brothers who normally paid off their balance on time, so your “fallback plan”, ironically enough, has a risk of failing as well.

    So I return to my original statement – will you risk even the most remote of possibilities of waging war with Allah for the convenience of renting a car or safeguarding your purchases? My point is, I choose no, and others can differ with that, it’s up to them how they live their lives or how they even perceive the problem.


  41. Avatar


    March 12, 2009 at 11:35 PM

    Assalamu Alaykum,

    I didn’t take Tawfiq Chaudry’s Fiqh of Business Transactions class in toronto, but a friend of mine who took the class said that he mentioned credit cards were haram even if you intended to pay off on time, because, by using credit cards, you are entering into a contract which stipulates that you have to pay interest if you don’t pay on time.

    Signing that riba-based contract is sinful, even if you end up paying the balance within the one month timeframe.

    – Sirat

  42. Avatar


    March 13, 2009 at 12:51 AM

    “Amex does not have an interest-based contract for their “charge” card… they also have credit cards available, so make sure that you get the charge card.”
    Everything you said in the above comment is so true. I have had my amex card for about 19 years MashAllah, and they are definately customer friendly than merchant friendly and their customer service is EXCELLLENT………. I would rather pay the 150.00 yearly fee and get an astounding customer service plus the MILES. I love the miles mashAllah. Definately, the best in the industry. SPG is also very good in miles.
    One can use them on any airline and for each 20,000 you get 25000 when transferred.

  43. Avatar


    March 13, 2009 at 1:06 AM

  44. Avatar


    March 13, 2009 at 5:53 PM

    Siraaj, I really liked the way you phrased your question. Of course I don’t want to go to war with Allah and his Messenger. (Seriously, just the thought of that brings tears to my eyes even the dozenth time I’ve heard it.)

    If it’s just because paying for something on credit is risky that it’s dangerous (because it comes close to going to war with Allah and His Messenger) then obviously it’s not something I’m going to try to do if there are alternatives. Actually this whole discussion is motivating me to get a debit card anyway, as I don’t have one, and it can potentially solve any problem there could be with using credit cards for me. (I for one don’t make purchases on it unless I know I have at that moment enough money in my checking account to pay it off immediately–and I do pay it off at first opportunity most of the time.) If purchasing on credit, assuming that I did have the money and was fully intending to pay the balance before interest were charged, was still haraam (and I think it is important to know if something is clearly haraam or not–the wishy-washiness about this topic is immensely frustrating) then I might cut up my credit card right now. And I don’t see that proof. But I also don’t want to stand here and argue that credit cards are good or anything like that, because it’s much more clear that they are very dangerous.

    Alhamdulillah, at least this discussion is pushing me towards getting a debit card anyway, though, and maybe then I won’t have to worry about falling into haraam by using the credit card for whatever reason.

  45. ibnabeeomar


    March 13, 2009 at 6:24 PM

    Amy – i agree with you about the halal/haram aspect of it. i really tried hard to research this before, and there’s a number of fatwas from reputable sources saying that technically its halal. however, there is also a strong opinion that the contract itself is haram due to the interest stipulation.

    personally, i feel its best to avoid that if at all possible since the view that they’re haram is a legitimate scholarly opinion. however, i don’t think it’s ever going to get a clear cut answer because almost every single contract you sign in america has some type of a haram clause in it (i have even found some in my apartment lease contract).

    in any case, if it can be avoided, i dont think anyone disagrees that its better to. the point i wanted to further emphasize in this post though, is that aside from the “riskiness” in terms of halal/haram, there is a high level of risk associated with it fiscally as well. most people aren’t that responsible, and even if they try to, they can still slip.

    the thing with CC’s is that a temptation always exists. we’re told to keep our gaze down to prevent the ultimate sin of adultery. CC’s for many people are tempting as well to spend more, to purchase things and defer payments, or to use them as a bandaid to get out of a hole. every one of these small slips is a step into riba, and once the cycle starts its hard for many people to get out of it.

    id really recommend getting the documentary i referred to – maxed out. its an eye opener about the entire system of CCs.

    lastly, if you are just paying your card off immediately after each purchase, a debit card is the way to go as it will automate the process and save you the extra hassle :)

  46. Avatar


    March 13, 2009 at 8:48 PM

    I took The Real Deal Fiqh of Business transactions course with Shaykh Tawfique not too long ago in Toronto and we learned that any business contract that contains a haram condition/clause is a haram contract so therefore CREDITS ARE HARAM. BUT using other fiqh principles in cases where it is a recurring need its use would be made permissible. He gave us the example that he travels by plane over 100 times in a year and without a credit card it just isn’t possible to book his flights ahead of time.

    Thus the bottom line is you should avoid credit cards as much as possible and only in cases where you have no other choice then use it and pay it off asap (you can have it attached to your bank account and pay it online right away, which is what I do.) Its a difficult situation though so just try to avoid using it as much as you can and pay it off as soon as you can when you do.

  47. Avatar


    March 14, 2009 at 8:09 AM

    Don’t you guys in the US have a VISA Debit Card? It’s used exactly like a credit card except that it deducts from your bank account.

  48. Avatar


    March 14, 2009 at 9:15 AM

    I am not perfect so probably shouldn’t comment on this. But my family fell on difficult times and resorted to credit cards. I regret so much,you are literally in bondage to them. You make choices you would not have if you just use cash.

    Its very funny to me that I learned about the dangers of credit cards from a Christian radio show. He is a Christian and completely adamant about not using credit cards because he knows you are playing with fire. Yet with Muslims I never got that advice, always, well if you are responsible you can use it. Its just funny to me that a Christian is more strict about this than Muslims. When if comes to our money, Muslims love to make excuses, myself included.

  49. Avatar

    abu Rumay-s.a.

    March 14, 2009 at 10:59 AM

    Dear Ibnabeomar:

    you mentioned,

    It is time to do two things,

    1. Implement the Islamic financial system in our own lives, and

    2. Teach others about it.

    You make good points and these are fairly simple things that most people can do with exerting some effort, although for the second part, there needs to be some intensive learning before the teaching and I have not seen too many mediums focusing in the teaching of this important topic..(suggest any?)

    I recently ran into a good intro by Mufti Taqi Usmani..

    Then you said:

    This is a failed system

    I think everyone now has good reason to believe what you contest here, but for the average person like me who is not an economist is trying to understand why it failed and how it was developed, how is it maintained, and what drives it, and where will it end up. Can you recommend some reads, videos, articles, documentaries, etc….on the issue..

    i’ve seen some of the documentaries on youtube and read reviews about the book “the creature from jekyll island”…but i think the issue is a bit deeper than just hedge funds mismanagement and sub prime mortageges, and banks loaning money they don’t have..

    my point is that the more people understand about the system, the more they will know how the current economy is really driven and who really reaps the $$, the more they can decide to look for alternative systems of economy…

    i’d recommend if time permits you to write a few articles on this important issue…

  50. Avatar


    March 14, 2009 at 12:12 PM

  51. ibnabeeomar


    March 14, 2009 at 1:55 PM

    abu rumay.s.a. – check all the posts here:

    as well as the documentary maxed out –

    also in terms of it being a failed system its as simple as the fact its based on riba :)

    you can also check out the daily show ( for all the episodes this past week. they show his battle with jim cramer, but it highlights how easily these guys can shape the market and affect your own investments – ie by profiting off your losses.

    lastly, id recommend getting dave ramsey’s total money makeover – – most important book on the issue.

    the reason i recommend all of these is they are the most *practical* resources to understanding the system in terms of how it directly affects you. and how the decision to take a credit card, car payment, student loan, mortgage, etc. the ramsey book especially goes into a lot of detail on how to practically do everything you need – in this society – WITHOUT interest or debt. he also goes into detail about why the conventional assumptions about buying things on payment or credit cards will actually ruin your life. the maxed out documentary i linked to shows how this is not by accident, but design, they need people to become wage slaves to stuff their pockets.

    may Allah(swt) guide him to islam, and may He give us muslims who are able to tackle these issues and produce such works.

  52. Avatar

    ibn Halal

    March 14, 2009 at 10:50 PM

    The halal economy will prevail, in-sha-Allah for sure.

    More and more Muslims and non-Muslims are realizing the evil consequence of Riba and the deception of terminologies like “interests” and “credits”

    May Allah save us and grant us halal Rizq

  53. ibnabeeomar


    March 16, 2009 at 4:44 PM

    interesting quotes from the articles linked there-

    “The key for the banks,” Manning says, “is to get them dependent upon consumer credit, shape their attitudes towards savings, consumption and debt and to then multiply the number of financial products that they’re buying from that particular bank so the credit card will lead to the student loan, to the car loan, eventually to a home mortgage and then maybe some insurance products and investment opportunity.

    The banks, he says, want students in a condition of dependency. “Young people today that see credit as a social entitlement have no understanding of what it is going to entail to repay those loans back. Once they’re used to living on borrowed money, then the banks realize that they’ll be following that pattern possibly for the rest of their lives. By the time they graduate they’re so indebted, and they’re so dependent upon the use of credit and debt, that it’s already presaged their future. They can’t possibly pursue the kinds of careers that they anticipated.”

    and wow-

    Sen. Chris Dodd, chairman of the Senate Banking Committee, accuses the banks of “gouging,” saying, “the list of questionable actions credit card companies are engaged in is lengthy and disturbing.”

    Perhaps he should send the bankers a Bible bookmarked to Deuteronomy 23:19: “thou shalt not lend upon usury to thy brother.” Indeed, Sen. Bernie Sanders told me last week that he is working on “anti-usury” legislation.

  54. Avatar


    March 16, 2009 at 5:09 PM

    Assalam o alaykum. I found this interesting. The Christians are seeing the evils of the credit card and how the system manipulates them so they are now preaching to get rid of them. This was CNN frontpage news.

  55. ibnabeeomar


    March 16, 2009 at 6:17 PM

    ibnkhalil – dave ramsey has been at this for quite some time. his total money makeover has become a missionary effort in countless churches across the country. you have no idea how much it makes me cringe that we do not have a muslim equivalent of this. they are so hardcore that you cannot even register for their classes using a credit card – debit card or checks only!

  56. Avatar


    March 16, 2009 at 11:05 PM


    we don’t need to be hardcore with anything like the Christians. Lets try to be “balanced”

  57. ibnabeeomar


    March 16, 2009 at 11:38 PM

    actually, i consider to be balanced as far as this issue is concerned.

  58. Avatar


    March 17, 2009 at 1:04 AM

    Ibneabeeomar: JazakAllah khair, I had never heard of Dave Ramsey. SubhanAllah! a little bit extreme but nevertheless the point is explained.

    Wallahi I want to take a class on Islamic finance. I am yearning to learn this knowledge because this will make things more clearer to me. There are not many scholars(in the USA at least) who touch on this subject. Perhaps you can provide some good books on this topic.

    This is found I found out from Islamqa.

    JazakAllah khair

  59. Avatar


    April 6, 2014 at 5:27 PM

    Peace. Time is good deeds. My real savings account only has good deeds. :) Save your soul. Obey Allah’s Commands. Do not commit a sin, wrongly exemplify or justify it. Do not sell your soul in this life over the life in the Hereafter. We return to Allah.

    What did Allah exempt us from? Eating halal meat unless compelled without willful disobedience. Making hajj unless it’s not affordable. Obeying parents unless they’re idolatrous but still obligated to be kind to them. Allah Knows Best about other things.

    What did Allah not exempt us from? Worshiping Allah only is the strictest obligation cause that’s what makes us good/honest. Worshiping Allah, only. Receiving only lawful money. Being married only to non relatives of the opposite gender. Respecting a person’s being. Allah only condemned those who don’t stop committing idolatry, usury, fornication, sorcery, murder, backbiting to the Fire especially if they don’t repent.

    Heart is prior to flesh. Focus on the depths more than the surface. It starts with humbleness. How do you feel about a certain act related to a sin we cannot be freed from unless we repent? A good heart it could be wrong, not justified in regards to a sin we can’t be freed from unless we repent. Consider I may not want to do this since it relates to a sin. Spiritual things always come before physical things.

    True submission to Allah’s Commands (in the Qur’an) is the foundation of Islam and worldly/Hereafter success.

  60. Avatar

    Abdullah N

    July 14, 2016 at 11:11 AM

    As Salaamu Alaikum,

    It was around in 2009/2010 I decided after having my first credit card during my graduate study that it was the worst idea ever. I just completely went cold away from credit cards after paying off whatever was there on the only card I ever held. It has been about 7 years now, and Alhamdulillah, I am happy for every bit of it.

    I wasn’t even aware of this post at that time, my criterion however was if Allah deemed Riba haraam, and mentioned in the Quraan that he would destroy it then I just don’t want any association with it. Simple, for me, Alhamdulillah.

    I have seen people talk about security, flights, hotels, rental cars etc
    Flights – I haven’t had any issues making reservations, cancellations or anything else using my Debit card
    Rental Cars – There are plenty of options that let me rent using my Debit card, sometimes they place a hold of 200$ that is eturned after 3-4 business days, other times they do a credit check. It has happened to me that I have had to wait longer and explain that I do not use credit cards for religious reasons, but by the grace of Allah I have never been in a situation where I could not rent a car from either one dealer or another. Just to put more credibility – I have traveled a lot in the last 6 years and have rented at many different locations across USA.
    Security – At least over the last couple of years I have enjoyed a lot of security benefits that people with Credit cards claim especially with BOA, and Chase.
    Hotels – Again, during all my travels I stay at hotels, and have not had even a single issue using a credit card.

    At least for me, the biggest benefit has been SUKOON, I know of some of my colleagues who are concerned about paying off their debts and so on, and here I am in front of them going on spontaneous travels, and doing things without any credit Alhamdulillah. Of course I spend when I have money, and don’t when I don’t have money, simple, and Allah grants Barakah in it. Alhamdulillah.

    (Not meant to put down anyone who uses a credit card, but surely to encourage anyone who wants to get out of the cycle).

    Was Salaamu Alaikum
    Hotels –

  61. Avatar

    Abdullah N

    July 14, 2016 at 11:13 AM

    edit – not had single issue using a Debit Card for hotels

Leave a Reply

Your email address will not be published. Required fields are marked *


Highly Educated, Willingly Domesticated

Laura El Alam



Doctor.  Engineer.  Certified Nurse-Midwife. Writer and Literary Critic.  Lab Technician. Parliamentary Assistant. These highly-trained, respected careers are the culmination of years of intense study, training, and self-discipline.  Most people, upon achieving these esteemed positions, would happily dedicate the rest of their working years to putting their knowledge and expertise to use. They would gradually gain more experience, earn greater pay, and amass professional perks.  Most likely they would also, over time, assume leadership roles, earn awards, or become sought-after experts in their field.

What kind of person has all this at her fingertips, but decides to give it up?  Who would trade in years of grueling study and professional striving for an undervalued position that requires no degree whatsoever What type of professional would be willing to forgo a significant salary to instead work for free, indefinitely, with no chance whatsoever of a paycheck, recognition, benefits, or promotion?  

Who else, but a mother?  

While certainly not all mothers choose to give up their careers in order to raise their children, there is a subset of women who do. Stay-at-home-moms (SAHMs) may spend the majority of their days performing unglamorous tasks like washing dishes, changing diapers, and reading storybooks to squirming toddlers, but behind the humble job title are dynamic, educated, and capable women. They may currently have a burp cloth in one hand and a sippy cup in the other, but chances are, SAHMs have a mind and capabilities that reach far beyond the apparent scope of their household duties.  

What motivates a capable and ambitious woman to give up her career and stay home to raise children? Is she coerced into it, or does she choose it willingly? What is her driving force, if not money, status, or respect?  I had many questions for these women -my sisters in Islam and my stay-at-home “colleagues”- and some of their answers surprised me.  

For this article I interviewed seven highly-educated Muslim moms who chose to put successful careers on hold, at least temporarily, to raise their children. Between them, they hold PhDs, MDs, and Masters degrees. While the pervasive stereotype about Muslim women is that they are oppressed and backward, these high-achieving females are no anomaly. In fact, according to her article in USA Today, Dalia Mogahed points out that, “Muslim American women are among the most educated faith group in the country and outpace their male counterparts in higher education.”  Across the pond, The Guardian reports that more young Muslim women have been gaining degrees at British universities than Muslim men, even though they have been underrepresented for decades.”    


Ambitions and dreams

Every single one of the women I interviewed grew up in a household with parents who highly emphasized their daughters’ education. In fact, all of them were encouraged -either gently or more insistently- to pursue “top” careers in medicine, engineering, or science. Perhaps unsurprisingly, most of the women I interviewed were at the head of their classes at university.

In their school years, before marriage, all of the women I spoke with considered their career to be their main priority; motherhood seemed far-off and undefined. “When in uni,” explains Neveen, an endodontist who eventually put her career on hold to be a SAHM and homeschooler, “I never, ever thought I’d homeschool (nor did I believe in it), nor did I ever think I’d be a SAHM. I was very career-oriented. I was top of my class in dental school and in residency.”

“I absolutely thought I would be a career woman,” agrees Nicole, a mom of three in California who holds a Masters degree in Middle East Studies. “I never considered staying at home with the kids, because they were totally out of my mind frame at the time.”

“I expected that after graduation I would follow a research-based career,” adds Layla*, another SAHM in California who holds a PhD in Computer Engineering. “I never thought I’d stay at home because I believed it was fine for kids to be in daycare. I also thought SAHMs were losing their potential and missing out on so much they could otherwise accomplish in their lives.”

As young women, many assumed that if they ever chose to start a family, they would have assistants, nannies, or domestic helpers to lighten their load. Several of them believed they would put their future children, if any, in daycare. However, the reality of motherhood made each of these women change her mind.  

“My child was highly attached to me,” explains Sazida, an Assistant to a Member of Parliament in England, “and I could not envision him being looked after by anyone else despite generous offers from relatives.”  

“After I had my first child all I wanted to do was be able to care for her myself,” concurs Melissa, a Certified Nurse Midwife from New York.  


Other Motivations

It turns out that maternal instincts were not the only factor that made women choose to drop out of the workforce. Dedication to Islam played an enormous part in their decision-making.

“After having my first child,” explains Layla, “I decided that he was far more precious than working. He is a gift that Allah subḥānahu wa ta'āla (glorified and exalted be He) gave me to protect and care for.”

“After I became Muslim,” shares Nicole, “My goals changed, and I hoped to marry and have children. I do think it was beneficial for my children to have a parent always there to depend on,” she adds. “I feel like I was the anchor in the family for them, and I hope to continue that role.”

“What’s important to me,” asserts Neveen, “Is to raise my kids as good Muslims who love -and are proud of- their life and deen.”

Another reason many highly educated women choose to stay at home is because they have the opportunity to homeschool some or all of their children.  Remarkably, out of the seven women who answered questions for this article, five reported that they chose to homeschool at least one child for a few or more years.  

“I really enjoy my homeschooling journey with my kids and I get to know them better, alhamdullilah,” states Layla.

The opportunity to nurture, educate, and raise their children with love and Islamic values is the primary reason why these talented women were willing to put their successful careers on hold. “Hopefully Allah subḥānahu wa ta'āla (glorified and exalted be He) will reward us in Jannah,” muses Layla.



Although none of the women I interviewed regrets her choice to be a SAHM, they all agree that it is a challenging job that is actually harder than their former career.  

One obstacle they must overcome is the negative perception others have about successful women who make the choice to put their career on hold.  “I soon learnt that casual clothes, a toddler, and a buggy don’t give you the same respect as suits and heels,” says Sazida.

One would expect, given their faith’s emphasis on the dignity of mothers, that Muslim SAHMs would enjoy the support of their family and friends.  Unfortunately, this is not always the case.

One mom explains, “My in-laws offered to look after my child, and my father-in-law couldn’t understand why I wanted to stay at home when there was perfectly good childcare that they were offering. After two and three years passed, he got more and more disheartened that I was not earning and complained about the lost potential income.”

“My non-Muslim mother told me that I wasting my education,” confides Nicole. “She did not support me staying home, though I think she appreciated that I was there for my children and have a good relationship with them.  She was a SAHM as well, so I am not sure where that was coming from, actually.”

Melissa’s mom was similarly skeptical of her daughter’s decision. “My mother didn’t love me being fully dependent on my husband,” she admits.  

“I was not at all supported by my family or friends,” laments Radhia, a Lab Technician with a BS in Microbiology with a Chemistry minor.

Other than being doubted and blamed for their choice, there are other challenges that SAHMs face. Accustomed to mental stimulation, exciting challenges, professional accomplishments, and adult interaction, many former career women find staying at home to raise youngsters to be monotonous and lonely. The nannies, assistants, cleaners, and other workers they had envisioned often never materialized, since hiring these helpers was usually too expensive. Husbands who spent the day working as the family’s sole breadwinner, were usually too tired to help with household duties.  A few women admitted that they felt guilty asking for help in the home when their husband was already exhausted from work. To exacerbate the problem, most of the women I interviewed lived far from family, so they could not rely on the help one normally gets from parents and siblings. That means the bulk of the childcare and housework fell onto their laps alone.  

“The main challenges for me,” states Nicole, “were boredom, and finding good friends to spend time with who had similar interests. I was also very stressed because the raising of the children, the housework, the food, and overall upkeep of our lives were my responsibility, and I found that to be a heavy burden.”

“I think the feelings of vulnerability and insecurity about whether I was a good enough mother and housewife was difficult,” shares Melissa. “All my sense of worth was wrapped up in the kids and home, and if something went wrong I felt like a failure.”

“It was not as easy as I thought it would be,” confesses Radhia. “It was overwhelming at times, and I did miss working. Emotionally and physically, it was very draining.”

“Staying home has been harder than I expected,” adds Summer*, a Writer and Literary Critic from Boston. “I didn’t realize how willful children could be. I thought they’d just do what I said. I’m still trying to get used to the individuality! It’s harder than my job was, only because of the emotional load, and the fact that the effort you put in doesn’t guarantee the results you hope for.”


Money Matters

Giving up their salary also put women in a state of financial dependency, which can be a bitter pill to swallow for women who are used to having their own resources.  

“I felt very dependent on my husband, financially,” says Radhia.

“Alhamdulillah, my husband does not refuse if I ask him to buy anything,” explains Layla. “However, I felt like I was losing my power of deciding to buy something for someone else. For example, if I want to buy a gift for my mother or my sister, he never refuses when I ask him, but still I feel internally it is harder for me.”

“Alhamdulillah my husband’s personality is not one that would control my financial decisions/spending,” shares Neveen. “Otherwise I would never have chosen to be a SAHM.”

“Giving up my career limited my power to make financial decisions,” asserts Summer. “I could still spend what I wanted, but I had to ask permission, because my husband knew when ‘we’ were getting paid, and how much. He paid the bills, which I didn’t even look at.”

“Asking permission,” Summer adds, “is very annoying.”

Re-entering the workforce was difficult for some women, while not for others.  The total time spent at home generally affected whether women could easily jump back into their profession, or not.  Some of the moms felt their skills had not gotten rusty at all during their hiatus at home, while others felt it was nearly impossible to make up, professionally, for missed time.  


Words of Wisdom

Although all of the women I interviewed firmly believe that their time at home with their children is well-spent, they do have advice for their sisters who are currently SAHMs, or considering the position.  

“If I could go back and speak to myself as a new mum, I would tell myself to chill the heck out and just enjoy being a new mum,” says Sazida.

Melissa offers, “I wish people understood how talented you have to be to run a home successfully. It’s a ton of work and it requires you to be able to do everything from snuggle and nurture, to manage the money, budget, plan precisely, be a good hostess, handle problems around the home, manage time, and meet goals all while trying to look cute.

“I would always recommend that women have their own bank account and money on the side,” advises Nicole. “You never know when you are going to need it.”

“Once their kids are in school,” adds Radhia, “I would suggest SAHMs start something from home, or take on part time work, or courses, if necessary.”

“For moms choosing to stay at home,” Layla suggests, “I would say try to work part-time if your time permits, and if you have a passion for working. Trust that Allah subḥānahu wa ta'āla (glorified and exalted be He) will protect you, no matter what. Remember, you are investing in your kids, and that is far more important than thinking ‘I need to keep money in my pocket.’”


Support, don’t judge

As a Muslim ummah, our job is to support one another as brothers and sisters.  It seems people forget this oftentimes, and erroneously believe that we are entitled to gossip, speculate, and sit in judgement of each other, instead.  In our lives we will all undoubtedly encounter women who choose to continue their careers, and those who put them on hold, and those who decide to give them up completely. Before we dare draw conclusions about anyone, we must keep in mind that only Allah subḥānahu wa ta'āla (glorified and exalted be He) knows a person’s entire story, her motivations, and her intentions. Only He subḥānahu wa ta'āla (glorified and exalted be He) is allowed to judge.  

We must also remember that some women, for a variety of reasons, do not have the luxury of choosing to stay at home. They must work to the pay the bills. Allah subḥānahu wa ta'āla (glorified and exalted be He) knows their intentions and will reward their sacrifices as well.


It is my hope that this article will not cause more division amongst us, but rather raise awareness of the beautiful sacrifices that many talented and intelligent women willingly make for the sake of their children, and even more so, for the sake of Allah subḥānahu wa ta'āla (glorified and exalted be He).  They are the unsung heroes of our ummah, performing an undervalued job that is actually of utmost importance to the future of the world.


*Name has been changed



For the past decade, writer Laura El Alam has been a regular contributor to SISTERS Magazine, Al Jumuah, and About Islam. Her articles frequently tackle issues like Muslim American identity, women’s rights in Islam, support of converts/reverts, and racism. A graduate of Grinnell College, she currently lives in Massachusetts with her husband and five children. Laura recently started a Facebook page, The Common Sense Convert, to support Muslim women, particularly those who are new to the deen.

Continue Reading


OpEd: Breaking Leases Into Pieces

Abu Awad



Ali ibn Talib raḍyAllāhu 'anhu (may Allāh be pleased with him)once said, “Know the truth and you’ll know who’s speaking the truth.” 

I am based in Canada and was recently having coffee with friends. In the course of the conversation, a friend (who I consider knowledgeable) said that it’s okay to pay interest on a leased car because interest doesn’t apply to lease contracts. This completely caught me off guard, because it made no logical sense that interest would become halal based solely on the nature of the contract.

I asked him how this can be true and his response was that the lease contract is signed with the dealer and the interest transaction is between the dealer and the financing company so it has nothing to do with the buyer. Again, this baffled me because I regularly lease cars and this is an incorrect statement: The lease agreement is signed with a third party financing company who is charging you directly for the interest they pay the car dealership. Therefore, any lease contract that has interest associated with it is haram. This is the same as saying your landlord can charge you interest for his mortgage on a rental contract and this would make it halal. I tried to argue this case and explain to my friend that what he was saying was found on false assumptions and one should seriously look into this matter before treating riba in such a light manner.

Upon going home that night, I pulled out all my lease contracts (negotiated to 0% mind you) and sent them over to my friend. They clearly showed that a bill of sale is signed with the dealer, which is an initial commitment to purchase but the actual lease agreement is signed with a third party financing company which is charging you interest directly. If this interest rate is anything above zero it is haram (anything which is haram in a large quantity is also haram in a small quantity).

To my dismay, instead of acknowledging his mistake, my friend played the “Fatwa Card” and sent me a fatwa from a very large fatwa body in North America, which was also basing their argument on this false assumption. Fortunately for me, my friend pointed out the hotline number and the day and time the mufti who gave the fatwa would be available to answer questions.

I got in touch with the scholar and over a series of text messages proceeded to explain to him that his fatwa was based on a wrong assumption and for this reason people would be misled into leasing cars on interest and signing agreements with financing companies which are haram.
He was nice enough to hear my arguments, but still insisted that “maybe things were different in Canada.” Again this disappointed me because giving fatwa is a big responsibility – by saying “maybe” he was implying that full research has not been done and a blanket fatwa has been given for all of North America.

It also meant that if my point was true (for both Canada and the United States) dozens of Muslims maybe engaging in riba due to this fatwa.

The next week I proceeded to call two large dealerships (Honda and Toyota) in the very city where the Fatwa body is registered in the US and asked them about paperwork related to leasing. They both confirmed that when leasing a new vehicle, the lease contract is signed with a third party financing company which has the lien on the vehicle and the dealer is acting on the financing company’s behalf.

It is only when a vehicle is purchased in cash that a contract is signed with the dealer. This proved my point that both in the US and Canada car lease contracts are signed with the financing company and the interest obligations are directly with the consumer, therefore if the interest rate is anything above 0% it is haram. I sent a final text to the mufti and my friend sharing what I had found and letting him know that it was now between them and Allah.

1. As we will stand in front of Allah alone on Yaum al Qiyamah, in many ways we also stand alone in dunya. You would think that world renowned scholars and an entire institution would be basing their fatwas on fact-checked assumptions but this is not the case. You would also think that friends who you deem knowledgable and you trust would also use logic and critical thinking, but many times judgment is clouded for reasons unbeknownst to us. We must not take things at face value. We must do our research and get to the bottom of the truth. Allah subḥānahu wa ta'āla (glorified and exalted be He) says to stand up for truth and justice even if it be against our ourselves; although it is difficult to do so in front of friends and scholars who you respect, it is the only way.

2. There are too many discussions, debates and arguments that never reach closure or get resolved. It is important to follow up with each other on proofs and facts to bring things to closure, otherwise our deen will slowly be reduced to a swath of grey areas. Alhamdulillah, I now know enough about this subject to provide a 360 degree view and can share this with others. It is critical to bring these discussions to a close whether the result is for you or against you.

3. Many times we have a very pessimistic and half hearted view towards access to information. When I was calling the dealerships from Canada in the US,  part of me said: Why would these guys give me the information? But if you say Bismillah and have your intentions in the right place Allah makes the path easy. One of the sales managers said “I can see you’re calling from Toronto, are you sure you have the right place?” I replied, “I need the information and if you can’t give it to me I don’t mind hanging up.” He was nice enough to provide me with the detailed process and paperwork that goes into leasing a car.

Finally, I haven’t mentioned any names in this opinion and I want to make clear that I am not doubting the intentions of those who I spoke to; I still respect and admire them greatly in their other works. We have to be able to separate individual cases and actions from the overall person.

May Allah subḥānahu wa ta'āla (glorified and exalted be He) guide us to the truth and rid of us any weaknesses or arrogance during the process.


Ed’s Note: The writer is not a religious scholar and is offering his opinion based on his research on leasing contracts in North America.

Suggested reading:

Muslim’s Guide to Debt and Money Management Part 6

Continue Reading


[Video] Invest with Wahed to Secure your future without making big changes to your life.





With Wahed’s’ recurring deposit feature, you can decide on an amount of money to be automatically deposited to your Wahed account from your bank account on a regular basis. The time frame is up to you — set up weekly, bi-weekly, or monthly deposit.

And best of all, recurring deposits are free!

Simply put, it’s a great way to build wealth by setting aside a portion of your earnings to be invested without the hassle of continuous setting-up transfers!.

Secure your future without making big changes to your life.

Download Wahed App today (iOS Android)  only available in US stores

For further information about Wahed Invest, please visit

Wahed’s easy-to-use platform is the first automated halal-focused system that is overseen by an Ethical Review Board, preventing concerned investors from investing in companies that do not agree with their values (e.g., companies involved in any aspect of the liquor, firearms, gambling and tobacco industries). The platform also screens investments that generate profit from interest and those that do not comply with certain debt ratios.

This article is part of a paid promotional package for Wahed Invest LLC.Wahed Invest LLC is registered as an investment adviser with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Custodial and brokerage services are provided by Apex Clearing Corporation, member of New York Stock Exchange, FINRA and SIPC. Any returns generated in the past are no indication of future returns. All securities involve some risk and may result in loss. This is not an offer, solicitation, or advice to buy or sell securities in jurisdictions where Wahed Invest is not registered. For full terms and conditions please visit

Continue Reading