CREDIT,DEBIT,CHARGE CARD KE HUKMSAWALAaj kal kai qism ke Credit card bazar me chal rahe hai kiya un ko istiamal kar sakte hai?AL JAWABAaj kal 3 qism ke credit card mash’hoor hai,1. DEBIT CARD2. CHARGE CARD3. CREDIT CARD1. DEBIT CARD : is card ke rakhne wale ka account pehle se bank me maujud rahta hai, jis bank ka usne card haasil kiya hai, card rakhne wala jab bhi uske card ko istemal karta hai bank uske account me maujud raqam se uski adaaygi kar deti hai, isme card rakhne wale ko udhaar [credit] ki sahulat haasil nahi hoti hai, balke sirf us waqt tak card ko istiamal kar sakta hai jab tak uske account me raqam maujud hai, bank is card ko chaalu rakhne ki fees wasul karti hai, is card ka isteamal beshak jaiz hai, iske zariyeh kharido farokht-le bech durust hai, kyun ke isme na qarz ki surat hai na sood [vyaj, interest] ki, albatta card rakhne wale ki ye zimmedari hogi ke us card ko gair sharaee kaamo me isteamaal na karey.2. CHARGE CARD : is card ke rakhne wale ka bank me pehle se account nahi hota, balke bank card rakhne wale ko udhaar ki sahulat deti hai, card rakhne wale ko ek mutayyan [fix] dino ke udhaar ki sahulat milti hai, jisme us bank ko raqam adaa karna zarooree hota hai, agar us muddat me raqam ki adaaygi ho jaye to sood nahi lagta, albatta card rakhne wale ne waqt par adaaygi na ki to fir usko sood ke saath adaaygi karni padti hai, bank iscard ko chaalu rakhne ki fees wasool karti hai, is card ko niche diye huwe sharait ke saath isteamaal karna jaiz hai.[1] card rakhne wala is baat ka pura intezam kare, mutayan tay shudah waqt se pehle raqam ki adaaydi kar de aur kisi bhi waqt sood zimme me aane ka koi imkaan baaqi na rahe,[2] card rakhne wale ki zimmedari hai ke us card ko gair sharaee kaamo me istemal na karey3. CREDIT CARD : is card ke rakhne wale ka bank me koi account nahi hota balke muaahada [agreement] hi sood ke saath udhaar lene par karta hai, is muaahde me agar che bank ek mutayyan muddat deti hai, jisme agar card rakhne wala raqam ki adaaygi kar de to usey sood dena nahi padta,lekin shuruaat hi me muaahda sood ki buniyad par hota aur uski adaaygi ka waada hota hai, uske alawa isme muddat ko tajdeed-renew karne ki sahulat bhi maujud hoti hai jisse raqam ki adaaygi ki muddat badh jati hai, albatta uske saath saath sood ke -feesad-persontage me izaafa ho jata hai, baaz suraton me ziyad raqam li jati hai uska hukm ye hai ke us card ka istemaal jaiz nahi hai, magar ye ke debit card/charge card alag se na milta ho aur usko debit card aur charge card ki tarah upar diye huwe sharait ke saath istemaal kiya jaye, in tamaam card ko credit card kehg diya jata hai, lekin jo asal me creditcard hai uska istemal jaiz nahi. Albatta credit card ka lafz upar di huwi 2 qism par bola jaye to istemal jaiz hai, unke alawa card ki ek qismjisko atm card kehte hai, ye raqam nikalne ka card hota hai, baaz dafaa uska paaya jana upar zikr kiye huwe card ke ziman-sath sath bhi hota hai, maslan ye mumkin hai ke debit card me atm me se rakam nikalne ki sahulat bhi maujud ho, is card ka huk ye hai ke uske istemal karne par agar mutayyan raqam machine ke istemal ke ujrat [mazduri] ke tor par bank wasool karey to wo mazduri raqam ke kam ziyada hone ke aitebar se na ho to jaiz hai, lekin agar bank raqam ko kam ziyada ki buniyad banaa kar uske aitebaar se hi kuchh wasool karey to jaiz nahi, kyun ke ye sood keyhlayega, albatta bank card chaalu karne ki fees wasool kar sakta hai.[FATAWA USMANI JILD-4 SAFA-354HZ. MUFTI MUAHAMMAD TAQI USMANI SAHAB D.B. KARACHI]
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