In Malaysia, Islamic Credit Card was first issued by the Bank Islam Malaysia Berhad in 2002. As the first Shariah bank in Malaysia, the bank is known as a pretty innovative banks in offering Shariah products. In the case of Islamic credit card is the basic one used in the transaction al innah bay. Though this scheme is forbidden in Islam and similar to muta 'marriage according to Imam Shafi'i.

However, there are still markets that use this credit card because it is based on their needs in the shop. Thus a cursory look of Islamic law becomes more flexible by the demand in the community. Is it should be the development of products with the label Shari'ah wants only to follow it regardless of the market or maintain law expressly Islamic fiqh?

Credit Card vs. Debit Card
What is the difference between credit card and debit card? Basically, credit card, the owner does not need to have the money in cash or in bank deposits. According to the Financial Consumer Agency Canada (FCAC), a credit card is a plastic payment card that allows the holder to obtain goods and services on credit terms and without the requirement to pay cash.

So just by giving the debt to the people who do not have the money, then the debt must be repaid on the term period. Another case with, a debit card where the owner should have money in the bank deposits related. So when buying and selling transactions conducted, debit card used to transfer a sum of money incurred in the purchase and sale. So the concept of the difference between debit cards and credit cards became clear. Debit cards require a specific deposit transactions can be run well, but it is certain types of any credit card called his name.

In the Shari'ah or credit card in Indonesia known as Shariah card use fee charged on loans for a period. And any extra on certain loans usury name. Riba course is forbidden in Islam, whether it changed with aqad for this service can be called instead of usury? Kehatian there is need for concern in this regard.

But the borrowers are allowed to add the debt that was borrowed without any coercion from creditors (Hadith Muslim). Therefore there is a name that is qardhul hassan benevolent loan without any additional fee, while Dayn's loan or debt.

Hassan Qardhul itself is aqad cooperation in providing assistance to businesses money, it is different with that in general Dayn used other than for business purposes such as for the consumptive and aqad different, so the relationship between borrowers with people who lend money are creditors and debtors. The difference is quite thin but could have broad implications.

Therefore, in Islam rather than using transactions with better Dayn syarikah system or a more equitable partnership. Rosly (2001) equate the contract system with the same basic Dayn riba financing system for use in additional transaction fees.

Substance Over Form
Analyzing opinions Assoc. Prof. Dr. Mohd Daud Bakar is a doubt kesyari'ahan credit card analogy is based on the credit card the same as those for debt manganjurkan. Whereas in Islam, debt is one thing that is not recommended. This refers to the many traditions narrated by Bukhari, whose contents are people who have debts are always telling lies and always was never kept her word.

Therefore, the Prophet Muhammad himself always pray that he is always in a state of debt. Therefore in the Koran (surah Al-Baqarah: 280) mentioned that people who struggle to repay debt relief should be given in pay, this is to avoid the hadith mentioned above.

According to Beekun (1996), the debt is allowed in a very forced one, the added debt must be repaid as soon as possible. Whatever type of transaction aqad used in credit cards and the like either Shariah ijara qardh or> wadiah, the substance remains to advise people in debt. This is what underlies why credit cards may not be a disyari'ah.

Shariah credit card that does not use interest rate or mortgage payments permissibility does not mean permissible in Islamic perspective. This behavior can cause the wrong paradigm for primarily Muslims themselves. Permissibility of a fatwa should be a credit card not only rests on halalnya but also refers to his kindness to the Muslims.

The same thing also commented on by Aries Mufti (Republika, May 7, 2004) which argues that in Australia in the form of credit card debt household reach 201 trillion U.S. dollars and foreign debt U.S. $ 172 trillion. Meanwhile, according Ameridebt, in the United States itself is almost a national consumer debt has reached more than one trillion U.S. dollars.

Credit card debt has reached 400 billion U.S. dollars in this case. On the other hand, there is one study by the Consumer Federation of America in mid-December 1997 stated that the increase in credit card debt in that year doubled the rate of inflation itself. This is based on that there should be a minimum amount spent on goods compared with the savings rate so that the burden of interest rates from credit card smaller than a ditabungkan. Credit card so that spur people to continue to buy and consume goods that are not needed to avoid loss of credit card fee burden.

In Islam there is known as yudfa 'asyaddu ADH-dhararyn, the intention is that the transaction may be allowed initially banned on the grounds there was no other choice, and to take things less dangerous. For example, to buy the book at www.amazon.com, type of payment that can be used a credit card. Certainly the use of credit cards is allowed if there is no other book stores or payment options besides using a credit card. Another case with buying in supermarkets in Indonesia, which also provides debit card facility, in this case the use of debit cards should be prioritized.

Attitude should be like this or paradigm that is applied in everyday life for Muslims. So there is a scale of priorities in the implementation of activities of daily life according to Islam. For example in the use of credit cards and other Shari'a is not at the level of dignity dharuriyat (primary) as long as there are other types of financing that is more Islamic, this card is not required. So the credit card and other Shariah into the category of dignity hajjiyat (secondary) or even dignity tahsinat (complementary) can still be used if other financing types, such as debit cards.

Thus Shari'ah credit cards and other "permissible" if the facility is a debit card or cash payment no. So its use only for things that are emergency and temporary, rather than become a necessity, or until all the fatwa was issued.