Free travel insurance with tickets purchased using a credit card

Q: If a person pays for a flight overseas with his credit card, the bank provides free travel insurance. Will it be permissible to use a credit card (which he keeps in positive balance so as not to get involved in credit but to get a good credit record) to purchase his flight tickets with the card with the intention of getting the insurance? If not paying with the credit card he would have to use cash or a debit card anyway.

Facing the qiblah

Q: Our masjid was built in the 1980’s and the committee at that time put the carpet in line with the building although the qibla was at an angle so that more musalees could pray salaah. The qibla is out by approximately 23 degrees. The link bellow shoes the correct qibla in Blue line and the qible being used is in line with the centre ridge of the roof.

http://www.elahmad.com/maps/qibla-english.htm?latitude=53.565809&longit…

A mufti gave a fatwa some years after the masjid was built, that they could continue praying salaah in the current wrong direction to prevent controversy, but if the carpet is ever changed, then the correct qibla should be followed. Last month the current committee changed the carpet (knowing the fatwa given by the mufti to change the qibla direction if the carpet is changed) but kept the old incorrect qibla. Will salaah in the masjid with the wrong qibla be accepted? Does the committee need to move the carpet so that the correct qibla is achieved?

Explanation of a Hadith

Q: Never does anybody leave something for the sake of Allah but Allah will give him something better in exchange.

What is the Meaning of the above? Does it mean that If one leaves his family and goes to jamat or other deeni cause then Allah will reward with some better reward? Or does it mean that if one leaves out haraam act or food then one will receive better than that for the sacrifice one makes? Please can you clarify?

Premarital contact

Q: I am engaged and my in-laws are much wealthier than my family. I talk to my fiance on text messages. I observe the girl is rich and her parents fullfil all her wishes. She uses all expensive items which I know I cannot afford. My fiance's life routine is very different and my routine is very different. I told my parents about the routine they said girl will adjust herself after marriage. When my parents were looking for a girl for me, they never asked me what kind of girl I wanted to be my wife, what kind of in-laws etc. My family just fixed my engagement and showed me the girl. When I spoke her on Messages, I was disappointed. I cannot say to my parents that I don't want to merry her because they are very happy with this relationship, and this is not good for the girl also to break the engagement. Please help me I am tense.