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Giving credit card to someone else

Fatwaa ID: 2100

Question:
A few years ago, I used to use my credit card & pay interest on it. I then repented from this action & stopped.

My father told me that i need to have a good credit score. He said either i can use the credit card myself & build my credit or he will do it. For the past 4 years now, he has had access to my credit card & does what he wants with it as though it is his own. I dont have anything to do with any transactions or payments made with it. The money he uses to pay off the card is his, not mine.

I dont have access to this card in any way, but of course it is under my name. I manage my expenses with the money i have in hand, no debts.

Am I incurring sin every time he pays interest on this card because it is under my name? Please advise me on what the best thing to do would be. How can i tackle his argument of me having a good credit score?

Answer:
In the Name of Allaah, the Most Gracious, the Most Merciful.
As-salaamu ‘alaykum wa-rahmatullaahi wa-barakaatuh.

We take note of the details of your query. It is not clear why your father is incurring interest charges. A credit score can be built by responsibly using a credit card without incurring any late fee or interest. That is permissible. You may opt for that. Nevertheless, if the details of your query reflect the reality, then you are not be sinful. The burden of the actions is on your father. However, you should remind him that you do not approve of it. Likewise, you should kindly and wisely remind him of the prohibition of interest and its harm.

And Allaah Ta’aala knows best.
Mufti Muajul I. Chowdhury
Darul Iftaa New York
https://askthemufti.us/

07/26/1445 AH – 02/07/2024 CE | 818

وصل اللهم وسلم وبارك على سيدنا محمد وعلى ءاله وصحبه أجمعين

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