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Using a credit card to fund an Umrah trip is permissible. However, you must ensure the amount is paid off before interest is charged; otherwise, the money will not be halal, and the reward of your Umrah will be questionable.
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Those who spend their wealth in charity day and night, secretly and openly—their reward is with their Lord, and there will be no fear for them, nor will they grieve.”
– The Holy Quran 2:274
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