Is it permissible to pay university fees with an interest-bearing credit card in order to obtain a degree and avoid exorbitant increases, knowing that not obtaining the degree prevents one from working and repaying debts?

We have previously clarified that using credit cards to settle payments is, in reality, a loan from the bank. The card issuer is not permitted to take an increase unless it is a fixed amount for a service fee or administrative costs. Furthermore, granting the debtor an extension in exchange for an increase is precisely the usury of the pre-Islamic era (Jahiliyyah).

Therefore, both methods of payment must be avoided due to the sin involved in them. Allah Almighty says: "And whoever fears Allah - He will make for him a way out And will provide for him from where he does not expect. And whoever relies upon Allah - then He is sufficient for him."

If you find no way to work without that certificate and you are compelled, then consider which of the two possibilities is less harmful, because committing the lesser of two harms and warding off the greater of two corruptions is a legitimate interest. Necessities permit the prohibited, and they are estimated according to their measure; and when the necessity ceases, the prohibited must be abandoned. What we deem less harmful here is payment by credit card.