Brother is it true. I`m very much concern about this because Allah will not accept the prayers and recitation of the person whose everything is Haram.

Mu' meneen Brothers and Sisters,

As Salaam Aleikum wa Rahmatullahi wa Barakatuh.  (May Allah's Peace, Mercy and Blessings be upon all of you)

 

One of our brothers/sisters has asked this question:

In the name of ALLAH the most Beneficial and merciful.

Assalamualikum

 

I woikd like to ask you regarding credit cards. My husband took credit which was interest free for one year, but now after one year he is unable to repay the amount for which the bank is charging interest. But the money he is earning is absolutely Halal Insha-Allah that is he is earning money by day and night of hardship. He even got lot of responsibilities back home in India(he is bearing the responsibility of 10 members in a family). He is doctor and paying all his rent and other house hold expenditure from the money he is earning. He took money on credit card whenever he was renewing his viza of UK. But one of my relative told that dont do any dealing with my husband as he is involved in haram. Brother is it true. I`m very much concern about this because Allah will not accept the prayers and recitation of the person whose everything is Haram. In short my question is whether all the income or all the things which we are eating, drinking and wearing becomes haram with the amount of interest he is paying on credit card which he used during the previous days. Are our prayers not accepted by ALLAH.

 

Please brother help me by answering this question I`m very much worried. Is Allah forgive us if we seek his forgiveness after we will repay all the amount.

 

(There may be some grammatical and spelling errors in the above statement. The forum does not change anything from questions, comments and statements received from our readers for circulation in confidentiality.)

 

Answer:

 

Riba interest acceptance worship

In the name of Allah, We praise Him, seek His help and ask for His forgiveness. Whoever Allah guides none can misguide, and whoever He allows to fall astray, none can guide them aright. We bear witness that there is none worthy of worship but Allah Alone, and we bear witness that Muhammad (saws) is His slave-servant and the seal of His Messengers.

 

Allah says in the Holy Quran Chapter 2 Surah Baqarah verse 274-276:

But those who devour ‘riba’ become like the one whom Shaitaan has bewitched and maddened by his touch.   They have been condemned to this condition because they say,  “Trade is just like ‘riba”,  whereas Allah has made trade halaal and ‘riba’ haraam.   Henceforth,  if one abstains from taking ‘riba’ after receiving this admonition from his Lord,  no legal action shall be taken against him regarding the ‘riba’ he had devoured before:  his case shall ultimately go to Allah.   But if one repeats the same crime even after this, he shall go to Hell,  where he shall abide for ever!   Allah deprives ‘riba’ of all blessing and develops charity,  and Allah does not like an ungrateful,  sinful person.

 

Allah says further in the Holy Quran Chapter 2 Surah Baqarah verse 278:

O Believers!,  fear Allah and give up that ‘riba’ which is still due to you,  if you are true believers.   But if you do not do so,  then you are warned of the declaration of war against you by Allah and His Messenger!

 

Allah says in the Holy Quran Chapter 4 Surah Nisa verse 161:

That they took ‘riba’,  although they were forbidden.  And that they devoured men’s substance wrongfully.   We have prepared for those among them who reject faith a grievous punishment (of Hell Fire)!

 

Al-Tirmidhi Hadith 2827        Narrated by Abdullah ibn Mas'ud

Allah's Messenger (saws) said, "Even though usury be much, it leads in the end to penury."

 

Al-Tirmidhi Hadith 2829        Narrated by Ali ibn AbuTalib

Ali said he heard Allah's Messenger (saws) invoke the curse of Allah on those who took usury, those who paid it, those who recorded it, and those who refused to give sadaqah.

 

Sunan of Abu-Dawood Hadith 3325  Narrated by Abu Hurayrah

The Prophet (saws) prophesied: “A time is certainly coming to mankind, when only the receiver of usury will remain, and if one does not receive it, some of its vapour will reach him.”

 

Dear and beloved Sister in Islam, in light of the above absolutely clear guidance of the Quran and the Sunnah, it is evident the taking, giving, or indulging in the evil of ‘riba’ is absolutely hated, despised, and declared unconditionally forbidden and unlawful by Allah and His Messenger (saws).

 

If in ignorance one has taken out an interest-bearing loan directly through a conventional bank or through a credit-card and thus indulged themselves in the evil of ‘riba’, one should immediately turn back to their Lord and seek sincere repentance for their transgression; and make a solemn covenant with their Lord that they would never ever indulge in that evil again in the future…..if one is indeed sincere in their repentance, it is expected that they will find their Lord Forgiving and Merciful.

 

Allah says in the Holy Quran Chapter 39 Surah Zumur verses 53-54:

(O Prophet) say: “O My servants who have wronged their own souls….Do not despair of Allah’s Mercy!  Surely,  Allah forgives all sins.   He indeed is the All Forgiving,  All Merciful.   Return to your Lord and submit to Him before the scourge overtakes you;  for then you may get no help from anywhere.”

 

Allah says in the Holy Quran Chapter 3 Surah Ale Imraan verse 135-136:

Allah likes such good people very much, who,  if ever they commit a base deed or wrong their own soul by the commission of a sin,  remember Allah instantly,  and ask for forgiveness from Him for their shortcomings.  For who,  but Allah,  can forgive sins?   (And Allah loves those) who do not knowingly persist in the wrongs they did.   These will be rewarded with forgiveness from Allah,  and with Gardens beneath which canals flow,  and they will reside therein forever!   How excellent is the reward of those who do good deeds!

 

Allah says in the Holy Quran Chapter 6 Surah Anaam verse 54:

When those come to you who believe in Our Signs,  say: "Peace be on you!  Your Lord had inscribed for Himself (the rule of) Mercy.  Verily if any of you did evil in ignorance,  and thereafter repented and amended (his conduct),  Lo! He is Oft-Forgiving,  Most Merciful."

 

Your Question: But one of my relative told that dont do any dealing with my husband as he is involved in haram. Brother is it true.

Dear and beloved Sister in Islam, unless and until one verbally and intentionally declares himself to be an apostate and leaves the fold of Islam, the indulgence of one into something which has been declared ‘haraam’ by Shariah does not by itself invalidate one’s marriage or one’s relationships!

 

The statement or judgment of one of your relatives to demand that you stop all dealings with your husband because he has indulged in the evil of ‘riba’ is absolutely baseless and incorrect.

 

Your Question: In short my question is whether all the income or all the things which we are eating, drinking and wearing becomes haram with the amount of interest he is paying on credit card which he used during the previous days. Are our prayers not accepted by ALLAH.

Allah Says in the Holy Quran Chatper 4 Surah Nisaa verse 34:
34      Men are the protectors and maintainers of women because Allah has given the one more than the other, and because they (the men) support them (their women) from their means.  Therefore the righteous women are devoutly obedient and guard in (the husband's) absence what Allah would have them guard (their chastity, their and their husband’s honor, property, etc.)

 

Islam has laid the complete financial responsibility upon the shoulders of the men, and it is the responsibility of the men in Islam to provide for their family from lawful means.  If perchance one were to provide for their family from unlawful means, the burden of the sin would be borne by the man who indulges in the unlawful…..not upon the family who is being provided.

 

If the man who in his ignorance has indulged in the unlawful in his efforts to provide for his family, and has subsequently repented for his transgression and amended his conduct…..it is expected that he will find his Lord Forgiving and Merciful.

 

Al-Tirmidhi Hadith 2357        Narrated by Abdullah ibn Mas'ud

Allah's Messenger (saws) said, "He who repents of a sin is like him who has committed no sin."

 

But if one neither fears Allah nor the Last Day and knowingly and daringly indulges in the unlawful, nor does he seem inclined towards repentance for his transgressions….then it is he who will bear the burden of his sin in the Presence of his Lord Most Majestic Most Supreme on that Inevitable and Tumultuous Day of Judgment.  It is the prayers and supplications of such people which would find no acceptance with Allah Subhanah.

 

Abu Hurairah reported that the Prophet (saws) said, "O people, Allah is Good and He, therefore, accepts only that which is good.’ The Prophet (saws) then made mention of a person who travels widely, his hair dis-shevelled, and covered with dust. "He lifts his hands and makes supplication, 'O Lord, O Lord……' but his diet is unlawful, his drink is unlawful, and his clothes are unlawful, and his nourishment is unlawful. How then can his supplication be accepted?"

Related by Muslim and Ahmad.

 

Your Question: Is Allah forgive us if we seek his forgiveness after we will repay all the amount. 

Allah says in the Holy Quran Chapter 3 Surah Ale Imraan verse 135-136:

Allah likes such good people very much, who,  if ever they commit a base deed or wrong their own soul by the commission of a sin,  remember Allah instantly,  and ask for forgiveness from Him for their shortcomings.  For who,  but Allah,  can forgive sins?   (And Allah loves those) who do not knowingly persist in the wrongs they did.   These will be rewarded with forgiveness from Allah,  and with Gardens beneath which canals flow,  and they will reside therein forever!   How excellent is the reward of those who do good deeds!

 

If one is unfortunate enough to find oneself under the burden of an interest-based debt, one need not seek forgiveness ‘after’ they have paid the debt…..but rather one should immediately turn back to their Lord and seek sincere repentance for their transgression, and make a solemn covenant with their Lord that they will never ever again indulge in the unlawful again…..and thus amend their conduct by paying off the debt as soon as they possibly can.  It is expected that they will find their Lord Forgiving and Merciful.

 

Dear and beloved Sister in Islam, one should never never ever despair of the Mercy of their Lord Most Merciful…..for the Lord Most Gracious has left open the doors of repentance for each and every individual who wishes to turn back to Him in sincere repentance; and this door of repentance is closed only at one’s death.   There is absolutely no sin a creature can do which the Lord Most Merciful does not forgive, provided the person is a believer, is sincerely repentant, and seeks the Lord’s pardon before his appointment with death!

 

Allah says in the Holy Quran Chapter 39 Surah Zumur verses 53-54:

(O Prophet) say: “O My servants who have wronged their own souls….Do not despair of Allah’s Mercy!  Surely,  Allah forgives all sins.   He indeed is the All Forgiving, All Merciful.   Return to your Lord and submit to Him before the scourge overtakes you; for then you may get no help from anywhere.”

 

Al-Tirmidhi Hadith 2357        Narrated by Abdullah ibn Mas'ud

Allah's Messenger (saws) said, "He who repents of a sin is like him who has committed no sin."

 

Allah says in the Holy Quran Chapter 25 Surah Furqaan verses 63-71:

The (true) servants of the Merciful are those who walk humbly on the earth.   When the ignorant people behave insolently towards them,  they say, “Peace to you”;  (And those) who pass their nights in prostrating themselves and standing before their Lord and pray, “O our Lord,  save us from the torment of Hell,  for its torment is killing!  It is an evil abode,  and an evil resting place”.  (And those) who,  when they spend are neither extravagant,  nor miserly,  but keep the golden mean between the two extremes.  (And those) who do not invoke any god but Allah Alone,  nor kill a soul unjustly,  which Allah has forbidden,  nor commit adultery… He who does this shall be punished for his sin,  and his torment shall be doubled on the Day of Resurrection,  and he shall abide in a state of ignominy;  EXCEPT THE ONE WHO MAY HAVE REPENTED (AFTER THOSE SINS),  AND HAVE BELIEVED AND DONE RIGHTEOUS DEEDS.   For then,  Allah will change his evil deeds into good deeds,  and He is very Forgiving and Merciful.   In fact,  one who repents and does righteous deeds,  returns to Allah as one rightly should!

 

Such is the vastness of the Mercy and Grace of the Lord Most Merciful upon his believing and repentant slaves, that not only does He forgive the sins of the slave who turns back to Him in sincere repentance….but in His Infinite and Limitless Mercy, the Lord Most Gracious changes the evil deeds of the person into good deeds in that person’s ‘book of records’!  Blessed are those who have believed in Allah Subhanah as their Lord, and blessed are those who are constant in seeking His forgiveness.

 

Al-Tirmidhi Hadith 2332        Narrated by Anas ibn Malik and Abu Dharr

Allah's Messenger (saws) stated that Allah said, "Son of Adam, as long as you supplicate me and hope in me I will pardon you in spite of what you have done, and I would not care. Son of Adam, if your sins were so numerous as to reach the lofty regions of the sky, then you asked my forgiveness, I would forgive you, and I would not care. Son of Adam, if you were to meet me with enough sins to fill the earth, then met me, not associating anything with me, I should bring you as much pardon as would fill the earth."

 

Whatever written of Truth and benefit is only due to Allah’s Assistance and Guidance, and whatever of error is of me alone.  Allah Alone Knows Best and He is the Only Source of Strength.

 

Your brother and well wisher in Islam,

 

 

Burhan

 

 
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