Delaying in shaving the head after umrah

Q: My friend came out of ihram without shaving his head. He was willing to shave his head but someone misled him that it's not necessary if umrah was done once before. He completed his sa'ee and asked someone to shave his head but he didn't understand or whatever that person said. He came to the hotel room around 2 am and in the morning I asked him why he didn't shave his head so he told me that I asked the guard in Makkah where to cut my hair and they said no need.

Anyhow in the morning I told him that its necessary to cut/shave the hairs of your head and around 10 am or 11 am he shaved his head. He was out of ihram for about 9 hours. What is the penalty, dam or something else?

Cash backs and discounts when using a credit card

Q: A few months ago, a technology company that makes and profits off smartphones and other devices (Apple) partnered with a US bank to offer a credit card.

The bank is responsible for all of the banking aspects, and the credit card is like any other one from a consumer perspective, offering cashbacks and rewards for certain purchases. However, these rewards are decided by the technology company, not the bank, such as discounts when purchasing that company's own products.

Given the the card is offered by a technology company, it's possible that the company pays for the difference instead of the bank. This would mean that unlike traditional cards, this one may not be paying for the discounts using interest earnings. Would using the benefits of this credit card be permissible?

Will a person become a kaafir by jokingly saying "you can lie"

Q: I’d like to ask if the following constitutes kufr?

In the morning, I asked my brother that did you pray Fajr? He said yes. Then later in the morning he told me ‘ I only said yes to make you happy so you wouldn’t pester me’ Then I said ‘ you can’t lie (even for a joke)’ whereupon he said ‘why not?’

Did he commit kufr by saying jokingly ‘you can lie’? Then later he said he did actually pray Fajr but he ‘joked’ to me that he didn’t pray it.

Married man seeing a girl he wished to marry previously

Q: I have recently come from hajj with my wife. I am still in Madinah. On my way to Makkah, on the same flight was a girl I wanted to marry previously. There was an attachment previously but her mother said no. It was such a test to see her and I constantly questioned myself why Allah wanted me to see her just before hajj. Through the days of hajj Alhamdulillah I managed to suppress the feelings. Last few days all the feelings I had previously for her are resurfacing, and I have a loving wife who seems to notice that I have been a bit sad lately. I don't know what to do in this situation. My desires are to be able to see her face one last time. But I know it is wrong. How do I approach this. How do I get over this?