As salamu allaiqum
If we look at the world around we find that there are many people who get enticed by short-term gains in this life. Whether it is the unearned money gained through some insurance contract or the freedom to spend recklessly through a credit card, they prefer to pretend about the un-Islamic factors which are involved.
Here I shall show two examples to make my point clear. I am presenting two questions which have been posed to Muftis by Muslims about their predicaments.
Example # 1: A man said that though he lives in a western country- he has no problem, as such, in practicing Islam. However, he had read about a hadith that Prophet Mohammad (saw) has forbidden Muslims from settling amongst the kaafir. He had realized that practicing Islam in the western country would be easier than in his own homeland. So he wished to ask the Mufti whether he should return to his homeland or continue staying in the west.
Example # 2: A man said that he lives in the west and in his neighborhood having a credit card is a must for car rentals. So he wished to know that since not having a credit card would create a lot of troubles for him so would it be fine if he uses one.
Both these example prove that practicing Islam is possible even in the western countries if a person has a strong will. After all ‘where there is a will, there is a way’.
As far as the problem posed in example # 2 is concerned, there are a plethora of options by which cars can be rented without a credit card, for example: by showing a travel itinerary, a utility bill, through debit cards etc. The process may require more time and patience but all the hardship faced by a Muslim in the way of Islam, in this life, will be quite fruitful in the life hereafter, Inshallah.