Is a credit card haram?

The permissibility of credit cards in Islam depends on how they are used. Many contemporary scholars consider them permissible if the cardholder pays the full balance before the due date to avoid interest (Riba). However, they are generally regarded as haram if interest is charged on late payments or cash withdrawals. To remain compliant, users should ensure timely repayments and use the card as a tool for convenience or building credit history rather than as a means for interest-based borrowing.