It is the one of the greatest deception befalls on the Muslims across the world whether he/she is educated or not. Both fell for it and the destruction and the wrath of Allah that follows, which Muslims are unaware of.
Credit card. Many of us carry this piece of plastic in our pocket or pursue or car or bike etc., does not matter whether you are Muslim or not. Actually if you think for a while there is no "credit" one get with this but it misleads us to fall into debt pretty easily. It is the plot concocted by the mischeiveous Jews to put humanity under the clutches of debt and make them slave for whole life. But yet we do not realise it.
The devastation arises when Muslim gets into this trap knowingly or unknowingly. Holy Quran clearly mentions in the following verses clearly that nobody should deal with riba or usury even in the least.
Allah destroys interest and gives increase for charities. And Allah does not like every sinning disbeliever. 2:276
O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. 2:2278
And if you do not, then be informed of a war [against you] from Allah and His Messenger. But if you repent, you may have your principal - [thus] you do no wrong, nor are you wronged. 2:279
O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful. 3:130
And [for] their taking of usury while they had been forbidden from it, and their consuming of the people's wealth unjustly. And we have prepared for the disbelievers among them a painful punishment. 4:161
And whatever you give for interest to increase within the wealth of people will not increase with Allah . But what you give in zakah, desiring the countenance of Allah - those are the multipliers. 30:39
In the verse of 2:279, Allah challenged those dealing in riba or usury for a war with him and his Messenger(Peace be upon him). It is very critical to think on this and ponder over such verses because Allah is telling some thing heinous in things related to dealing in usury or dealing.
In Islam, even dealing with riba like contract is not permissible at all. Islam prohibits signing such contract and failing to do so would lead to trouble in this world as well as in the Hereafter so we should not take risk at all.
All the Muslims whom i have met argues that he/she pays the money on time for the thing such as car/phone/home bought on a riba contract. But Muslims does not realize what they done to themselves.
And it was proven that the Prophet (peace and blessings of Allaah be upon him) cursed the one who consumes riba and the one who pays it. Narrated by al-Bukhaari, 5962. In the transaction asked about here, both the individual and the bank are giving and taking riba. The Prophet (peace and blessings of Allaah be upon him) said: "A dirham which a man consumes as riba knowingly is worse before Allaah than thirty-six acts of zina."
Narrated by Ahmad and al-Tabaraani; classed as saheeh by al-Albaani in Saheeh al-Jaami’, no. 3375. And he said: “There are seventy-two types of riba, the least of which is like a man committing incest with his mother.” Narrated by al-Tabaraani in al-Awsat; classed as saheeh by al-Albaani in Saheeh al-Jaami’, no. 3537.
Our beloved Prophet Muhammad (Peace be upon him) has said the one who deals with riba or interest or usury is like committing adultery with your mother as shown in the above narration 3537.
When we buy credit card from the bank it always comes with agreement and it clearly mentions in the agreement that you shall pay for the interest if in case you fail to pay it on time. Based on this Muslims argues that he does not pay even a cent or dirham on interest as he paying loan to Jewish bankers on a monthly installment basis on time without fail
When we sign such contract we are agreeing to pay the interest on a conditional basis and that itself is dealing with interest whether you pay the money on time or not. In short you already signed up for a war with Allah and his Messenger (Peace be upon him).
Let me explain with an example, Brother ABC wants to buy a car and he asked for a loan from his wealthy rich friend called XYZ .Brother XYZ ask ABC to pay him monthly installment to repay his loan and also issued him the agreement which ABC signed and the agreement states that if he fails to pay the monthly installment on time then he has to commit zina with his mother or let XYZ have sex with your wife or daughter. DO YOU SIGN SUCH CONTRACT? WOULD YOU..... ? Only People blinded with worldly desires would do that but not the Servant of Allah or a true Muslim.
If you fear Allah and have a atom of humanity and shame inside then you would not sign. Correct? Or would you think that you will pay money on time without failing in to riba? The text or the sentence "he has to commit zina with his mother" equates it to 4 short word called RIBA or INTEREST or usury and this is what we sign up for when signing credit card or any loan contract with the Central Bank.
This is the deception which is sweeping the Muslim world across the globe. It is irony that Muslim nations such as Pakistan,Bangladesh, Syria, Saudi Arabia,Iran, Iraq,Libya and many others etc., are all having central banks. It is a shame that Muslim nations are endorsing such filthy crimes of riba and hence waging a war against Allah and his Messenger (Peace be upon him).
We can see what is happening in the Muslim nations such as Syria, Libya, Iraq, Somalia, Afghanistan are all most likely coming from the wrath of Allah due to widespread consumption of riba. Am not telling it is only due to riba but it is the major contributor to our own destruction. Allah knows Best.
Muslims need to understand the seriousness of dealing with riba and should not take it lightly. If you take Allah lightly in this world then you will be dealth with Allah in the Hereafter seriously. If you take Allah and his religion seriously then In Sha Allah, He will take you lightly and might overlook your sins and forgive you. May Allah grant all the Muslims to stay away from riba in all of its ugly forms and grant us the way out to protect us from all the things which displeases Allah and cause us to die as Muslims. Aameen.