What is the ruling on using a credit card where the amount is paid back within a certain period for a transaction fee of less than 1%, and is the profit gained from investing an amount withdrawn from it considered unlawful if dealing with it is unlawful, and is it permissible to deposit money into the card while keeping the withdrawn amount invested?

The ruling on credit cards depends on the conditions of their issuance. If they observe the Sharia (definition) guidelines, their use is permissible; otherwise, it is not.

A resolution was issued by the Islamic Fiqh Academy regarding uncovered credit cards, permitting their issuance if they do not include conditions for an usurious increase on the principal debt. The issuer is allowed to take a fixed fee upon issuance or renewal as a charge for the services provided.

Cash withdrawal by the cardholder is considered a loan from its issuer, and there is no harm in it if it does not result in an usurious increase. The fixed fees that are not tied to the loan amount or duration are not considered usury.

Any increase beyond actual services is prohibited because it is usury.

By applying this rule, the user can determine whether the fees the bank charges for withdrawal are service fees or usurious interest.

If it is usurious interest, this does not entail the prohibition of profit resulting from investing the withdrawn amount, especially with ignorance of the prohibition. Rather, it entails repentance from this transaction, regret for it, and the resolve not to repeat it, and an attempt to eliminate its effect by canceling the interest through expedited repayment.