In the Name of Allah, The Most Gracious, Most Merciful


 Dear Mufti,
 Assalamualaikum warahmnatullah!
 I would like to know about interest anainst:
1. What is difference between interest verses profit?
2. I am a credit card holder of American Express through Bangladesh City Bank where annual charges is Tk .4600 and service charge against taking loan from Credit card is .83%. Is this goes to interest as there have no probation in our Islami Bank in Bangladesh.what should I do?
3. As Islami Bank in Bangladesh is not given loan against House Building or Business naturally to us who are in general people not attached to Islami Bank. So, If I get loan from general Bank, is it to be interest?
4. If interest/profit on decline method, then what is this mean. as islam prohibit julum on circle/cumulative interest, if that client takes it easy for him not julum, what will then?

 M. Shamsur Rahman
 Chairman , A development Orgnization


 Dear Sir,
 That it is considered riba (usery) and it is illegal.
 Best regards

Praise be to Allah, the Lord of Creations