points

Q:

1. I have a question regarding banking. If the bank gives you $200 credit in your account for opening a new account and then charges $35.00 for bank fees every month. Is it permissible to use that $200 to pay their fees? If not, what is the correct approach to take? Should a person try to refuse taking that money or take it and give it to Sadaqah without intention of sawab? 

2. If the bank offers you a free service such as a safety deposit box for having a certain type of account is it permissible to take advantage of that? 

3. Also, is it permissible to use points earned on credit card spending to pay fines, speeding tickets, taxes etc?

4. If a person forgets to make a payment and the credit card company charges a late fee or interest. Is it permissible to use the point to pay for such fees?

Q: I recently learned about the impermissibility of the 3% cash back on the credit card. Many stores offer points which can be changed to cash to purchase in store. Is this permissible? If yes, what is the difference between points in stores and cash back on a credit card.

Q: A person gave me money in order to purchase some items for him from an online store. This online store has a 'Loyalty Programme' where one receives 'reward/loyalty' points in proportion to a fixed percentage of the total purchase price. I have now received these 'reward/loyalty points' in direct lieu of the purchase I made using his money. The 'reward/loyalty points' for this purchase amount to R450. These points are not exchangeable for cash. Furthermore, I only received these points after making payment; I could not use these points to receive a discount on his purchase. Since I used his money, am I entitled to these points? Or must I give him R450 in cash (as one cannot send/transfer points)?

Q: A company where I shop at has given me a loyalty/rewards card whereby I earn points for products I buy and I can then use these points to buy other products. In other words these points are used to buy the products instead of cash. Is this permissible?