Why in respect of Islamic principles? You just tell me why? There is no Islamic principle. When our government, laws and economy is not based on Islamic system then why do you Involve credit -cards in it. You are asking this question in one individual capacity. Are you the only person who is using it? If you have had choices then you would be able to change it. You have got no choice to change the monitory or banking system. Why are you insisting on such question? You will have to create an interest- free banking system. The system of our government is based on interest (usury) system. We are building mosques and constructing roads on interest, Even we get water through this system.
There is a hadith of Prophet (SAW) regarding interest (usury),
"A time will come when every house will be affected by it (usury) indirectly."
Have you got no sense for change or the true acceptance of Islamic system? Allah hath said Clearly in Qur’an,
""Do not deceive me"
We are mixing democracy with monitory and communism. Allah says; don’t do this with me, You choose namaz and fasting for me and adopt mixed systems according to your own choice. If you really want to get benefit from Islam then you have to see which system is better. When you acknowledge and adopt the democracy and communism fully then why not Islamic system?
Allah hath said in Qur’an:
"If you want to accept my religion then does it fully and completely, don’t mix it."
So if you have to create an Islamic system then enter in this system fully, where prevails systems Of zakat (poor due) and sadakat (alms), government would have its own rights and the public too, And the common man has got the right to approach his king, just like the example set by Hazart Umer (R.A). When our every institution will run on such system and still we suffer then it would be our right to complaint against Allah. Allah says you (Muslims) are just maintaining me .You have accepted me like traditional taboos.. You give credit to the whole world and discredit my religion.
All systems except Islamic system are satanic so never mix them, Allah says,
"There is no doubt that he (Satan) is your open enemy" "Every system except Mine system is satanic”
As far as credit card is concerned it is of little worth, practically speaking it is better to avoid credit cards.
Translated by:Marryam Mehmood