Interest on Credit


Assalamu alaykum

Mufti sahib
Few years ago i bought lots of things with my credit card. The amount would be 7000 USD. which i did not pay to the bank; now that i have repented and want to pay back the money the bank will charge me interest which i may not be able to pay; and what if i pay the interest also?


In the name of Allāh, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-raḥmatullāhi wa-barakātuh.

Taking a loan on interest is a major and a heinous sin; thus it is necessary that one repents sincerely from this sin. If you have repented sincerely from being involved in the sin of Interest (Riba), then InshaAllah your responsibility is fulfilled.

Sincere repentance comprises of refraining from the sin immediately, having a firm intention and determination not to be involved in that sin again and being remorseful and regretful over one’s actions.

Therefore, if you have repented sincerely, try your utmost best to pay off this heinous loan as quick as possible. Spend less on things which are not necessary, economize in your expenditure, by which this task would be eased. If it is possible to take a (interest-free) loan from a family member or a friend and pay off the usurious loan, then you should do that.

We make Dua Allah Ta‘ala accepts your Taubah and lightens your burden and grants you a Halal source of income. Aameen

And Allah Ta‘ala knows best
Mufti Luqman Hansrot
Fatwa Dept.

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