Using a credit card

Q: I have a credit card. When I become cash strapped I resort to the credit card due to ease of access and I always try to pay the debt on the credit card within 55 days as before this, there is no interest charged. However, buying/relying on this facility makes me feel impoverished and fearful of consuming things that I can pay for later. What do you advise me to do? Use the credit card and ensure that I always pay for the debt within the non-interest period? It is permissable to use credit cards?

Distribution of investment shares to the heirs

Q: A deceased relative held shares in Old Mutual and also received a few Quilter shares as a result of these shares in Old Mutual. When I went to submit the documentation today I was also told that since the 15th of this month the (deceased) shareholder received 8 Nedbank shares. The deceased also held shares in Retail Property (Pty) Ltd. These are held at Computershare. I do not know anything about shares and I do not know whether the beneficiaries can make use of the proceeds of the shares in terms of Sha'riah. In the event that, the beneficiaries cannot make use of the value of the shares then how best to dispose of them?

Unauthentic narration regarding qaza namaaz

Q: I saw a picture in which there was a hadeeth. The hadeeth mentioned that if a person has many qaza namaaz and he does not know how many qaza namaaz he has then he should perform a 4 rakat nafal namaaz with 1 salam on the last jumuah in Ramadhan. He should just read surah fatiha then 7 times ayatul kursi and 15 times surah kothar. All the qaza namaaz will be done after this 4 rakat nafal namaaz. Is it true?