Despite the Islamic prohibition on interest or riba, many, if not most Muslims have credit cards.  While it’s possible to use a credit card and never pay interest by paying off the full credit card balance each month, it doesn’t always work out this way.  Any number of situations such as emergencies, unexpected expenses, unstable income or loss of employment can lead people to carry a balance on their card and accrue interest on their debt.  From there, getting out of debt can become a very difficult challenge.