Ruling on credit cards of the Faisal Islamic bank
Question

                What is your opinion on the credit cards of the Faisal Islamic Bank?.
Praise be to Allah.There is nothing wrong with 
    using a credit card if it is free of the following things that are forbidden 
    according to sharee’ah: 

    1-Stipulating payment of interest 
    or a penalty in the event of late payment.

    2-Charging fees for issuing an 
    uncovered card that are greater than the actual costs involved.

    3-Charging a percentage of money 
    withdrawn if the card is not covered. It is permissible to charge the actual 
    costs only; anything more than that is riba.

    4-Buying gold, silver and other 
    currencies with it.

    5-Seller adding a percentage that 
    the bank requires him to take from the purchaser, without the purchaser 
    being aware of that.
See also the answer to 
    question no. 13725 and
    103187. 
We do not know anything 
    about the credit card offered by the Faisal Islamic Bank. 
And Allaah knows best.