What is the ruling on obtaining a credit card from Saudi Awwal Bank (SAB) for the purpose of installment payments for products, knowing that if the installments are not paid on time, interest will be charged, and that the questioner will be careful to pay the installments on time?

It is impermissible to issue a credit card that is conditioned on usurious interest in case of delayed payment or its use, even if the person intends to pay on time; because it falls under the ruling of usury, which is forbidden by Islamic law. Furthermore, "dissolving a debt with a debt" is forbidden. This refers to a client entering into a new transaction to pay off their debt, which increases both the debt and the term. This includes anything that leads to an increase in the debtor's debt in exchange for an extension of the term, such as the debtor purchasing a deferred-payment item from the creditor and then selling it for immediate cash to pay off the initial debt, if the new indebtedness is intended to settle the first one.