Trade

Purchasing through Shein's points and coupon system

Q: Shein, an online store has a points system. For everyday the user checks in they are given points, for every review on items bought u are given points.

When orders are received and you confirmed its received, you are given points and these points are then accumulated and converted into rands for which you can use for purchases.

Is this points system valid?

Also, they have a coupon system where if you purchase over a certain amount, there is a discount. Is this permissible?

Purchasing a TV on interest

Q: I bought a TV with option of no cost emi of 3 months. After emi completion, Later I found out that it is not permissible and it involves interest as bank gives loan and charges interest and then I checked my statement and found out.

I usually buy items paying all amount but this happened first time that I had to take this option of no cost emi. From the day, I came to know I am feeling bad. Should I sell of my TV or keep it? If I sell I won't even get 50% of amount which I took. So I am in a dilema. What should I do in this case.

Seller charging more than the fixed price when selling an item

Q: I bought an electronic item from a store and it was discussed that the amount would be 67000 INR even if I pay once or in 3 installments. On the bill it was mentioned that 22333x3 will be deducted from my card every month for 3 months and also it was mentioned as 65300 as principal and 1700 as interest. Is this allowed as the amount was fixed?

Later, I found out in the statement that around 100 rupees was charged extra and total amount which they took was 67100 INR.

Using paper currency

Q: Is using paper currency In accordance with sharia and is it permissible?

Hence the world trade currency is not based of any tangible asset such as gold or silver.

The federal reserve prints USD without any backing then using it to provide loans to poor countries in exchange for services and goods. It also gives Central Banks control over the economy and have control on how much is printed to who it is distributed to and is unjustly distributed.

They also use banking methods such as Riba and fractional banking which is haraam and is the backbone of their financial system.

Lying to a courier company

Q: I have ordered online. The courier delivered the item to the security or maid. I then asked the sender where is my items as it was not delivered to me and the proof of delivery has the maid or security name. They then offered a refund or replacement. I did this a few times with a few companies. I wanted to know if this is haraam