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Da li su kreditne kartice haram ukoliko se plate na vrijeme?

 
Pitanje: Da li su kreditne kartice haram ukoliko se plate na vrijeme (grace period) tako da nema kamate, ali se kamata spominje u ugovoru i postoji? Unaprijed hvala. Da vas Allah, s.v.t., nagradi!
 
Odgovor: Tema o kreditnim karticama je uveliko složeno pitanje i o njemu se mnogo raspravljalo i napisane su mnogobrojne studije. Centar za islamsko pravo je po tom pitanju izdao fetvu 63/1/7, na svom dvanaestom zasjedanju, sa obrazloženjem da muslimanu nije dozvoljeno koristiti kreditne kartice koje nemaju pokriće ako se vežu u ugovorima za spomenute kamatne stope, makar musliman imao namjeru vratiti dug u odreðenom roku. Što se tiče kartica koje imaju pokriće, u tom slučaju je dozvoljeno podizati svote koje imaju pokriće u omjeru postojanja novca na tekućem računu.
U istoj fetvi stoji:
Centar za islamsko pravo donio je fetvu o sljedećem:
Prvo: Nije dozvoljeno izdavati kreditne kartice bez pokrića niti je dozvoljeno poslovanje sa istim ako je postavljena kamata kao uvjet, bez razlike da li korisnik kartice ima čvrstu namjeru da vrati dug u odreðenom roku.
Drugo: Dozvoljeno je izdavati kartice bez pokrića ako nije uvjetovana kamata u odnosu na osnovu duga.
 
Na osnovu prethodnog može se reći:
Prvo: Dozvoljeno je uzeti iznos članstva kod izdavanja kreditne kartice ili kod njenog obnavljanja shodno troškovima usluga.
Drugo: Dozvoljeno je banci koja je izdala karticu da uzme procenat usluga od trgovca koji je naplatio odreðeni iznos za robu putem iste kartice pod uvjetom da cijena ostane ista pri kupovini ovom karticom.
Treće: Nema smetnje da korisnik kartice podigne dug sa banke pod uvjetom da ne postoji uvjetovana kamata u prekoračenju roka vraćanja. Takoðer svota koju podigne putem kartice ne smije biti povećana odreðenim procentom kao uslužnim troškovima.
Četvrto: Nije dozvoljeno kupovati zlato i srebro karticom koja nema pokrića.
Osobe koje posluju putem kreditnih kartica moraju se paziti da ne zapadnu u kamatni sistem poslovanja, zato što bi to bio otvoreni rat koji mu je obznanio Allah, s.v.t., riječima: ‘’O vjernici, Allaha se bojte i klonite se od onoga što je ostalo od kamate ako ste uistinu vjernici. Ako ne učinite, onda znajte da vam je obznanjen rat od Allaha i Njegovog Poslanika. Ako se pokajete, ostat će vam glavnice vaših imetaka. Neće vam se učiniti nepravda niti ćete vi učiniti kome nepravdu. Ako je njemu teško da vrati, onda je odgoditi bolje. A ako mu se oprosti, to vam je bolje ako znate.’’ (Bekare, 278 – 280.) Allahov Poslanik, s.a.v.s., prokleo je osobu koja konzumira kamatu, opunomoćuje da se njome radi, zapisničara i svjedoke, rekavši: ‘’Oni su isti.’’ (Bilježe Muslim, Tirmizi i Ahmed od Džabira b. Abdullaha, r.a.)
 
Odgovorio: Harmin Suljić, prof.
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