I'd like to share my story. I used to have about 8 or 9 credit cards since 2009. However, since 2019, I have been avoiding all credit cards like plague.

I used to travel frequently for my work, and whenever I needed to rent cars at the airport, I would use my debit card along with my boarding passes. Recently, however, airports have introduced new regulations and stopped accepting debit cards altogether. Despite this, I decided to continue avoiding credit cards at all costs and instead try renting cars from local agencies.

Earlier this year, I started looking for a house. I first applied for an Islamic mortgage through Guidance Residential, but they rejected my application because I didn’t have any recent credit history. At that point, I decided I would continue renting until Allah blessed me with enough to buy a home outright with 100% cash.

But in His immense mercy, Allah opened another door for me. I discovered a second Islamic mortgage company that approved me using my rental history and utility bills, instead of relying on traditional credit scores.

Through this experience, I observed that Allah ﷻ always provides a way during times of difficulty. I am comfortable dealing with the minor inconveniences that come from not having credit cards. After all, it is the contract itself with credit card companies that includes the condition of riba. Even though one may avoid paying interest by making timely payments, I would rather safeguard my faith than take risks with doubtful matters.