Hajj & Umrah

Wearing an ihraam where parts of the skin is visible

Q: Zaid has a towel ihraam which is made in such a way that there are very small holes in the ihraam cloth. When wearing the ihraam, little skin is visible from the holes. Zaid prayed salaah, did his umrah and Hajj with the above mentioned ihraam on. According to Shariah is his salaah, umrah and Hajj valid? If it isn't valid, what should be done to compensate?

Is it compulsory to don the ihraam when returning to Makkah after visiting Jeddah?

Q:

1. Zaid is going for umrah next month with his family, after performing umrah, when in Makkah Mukarramah, he plans on going to Jeddah with his family to the beach and places of tourists attractions, on returning back to Makkah Mukarramah from Jeddah, is it compulsory for the family to have Ihram on and do Umrah again?

2. In the above situation, if it's compulsory for them to do Umrah and put on Ihram, can they put on Ihram from Jeddah, if not then from which place?

3. In the above situation, is there any way or leeway in Shari'ah that when going to Jeddah from Makkah Mukarramah on returning back to Makkah Mukarramah from Jeddah, the family don't have to put on Ihram and do Umrah?

Taking a debt on one's credit card to pay for one's parent's hajj expenses

Q: My husband's parents names were selected for Hajj this year. However, they have a shortfall of a lot of money. One-third of it. My father-in-law also has a credit card with money owing on it. However, he is not concerned about clearing his debt before going. Furthermore, he asked my husband if he can help him with the balance of the money, which my husband said he would take on his credit card. I am not in favour of this decision as it is a lot of money and we actually cannot afford to pay it every month but he is insistent. We have a family of our own and expenses every month, furthermore, my father-in-law has no sense of remorse that he is going to put his son into debt. Is this fair? Is this allowed?