Interest and Gambling

Q: My dad took a credit card back in Oman and told us that he is taking it for emergency purposes and told us that he will pay back the bill within 52 days as to avoid interest according to the bank. We lately moved back to Pakistan and used the entire credit card while coming and now we have the money but 52 days end on this 15th and we have kept the money but can't find any source. So If God forbids we can't pay back before the 15'th and the interest is charged and if we only repay the principle amount but not the interest, will we be punished? Is it haram?

Q: Six years ago I applied and received a student loan from Iqraa Trust. At this point in time I was not aware that majority of their funds received is Interest money from financial institutions. My questions are:

1. Have I committed a sin by accepting the student loan without knowing it is interest?

2. Can I repay the loan that they gave me using Interest money?

3. Will students who know that it is Interest money but accepts it as a student loan to be repaid back be sinful?

Make maaf for asking such a question, but after doing some research I found out that their is no Aalim on their board or who is associated with them that could guide me on this issue.

Q: I have a question regarding playing with marbles for takes. This means that the winner gets the marbles of the loser. Does this have any association with gambling? If so, is it permissible to play like that?

Q: I am working in a private software company from the last 10 years and over the few years, my bonuses and some part of salary amounts are not received (approximately 6 lacs INR) from my Employer due to financial issues of the company. I trust my Employer and there are no issues there. However, it is difficult for my employer to pay me that much amount to me and as the current trend of company, if ever they have to pay, it will take at least 2-3 years for me to receive my money and that too in several installments, which will not be much use to me. So here is what I am planning. I wanted to ask my employer to buy a car for me (its current worth is 5.2 lacs). The employer can take it in form of EMI and can buy me the car, so that he can take care of paying monthly installments. But here, with EMI, the car amount will become 6 lacs (because of EMI, interests, etc).

1. Now if I take the car and consider that as payment for my 6 lacs amount, it looks like I have taken the interest, because my money went in buying the car as well as paying the interest amount. Is my understanding correct? Is there a way for me to execute the plan without me taking the interest?

2. Can I ask my employer to pay me remaining 80k (6 lacs - 5.2 lacs) separately. So even though the car costs 6 lacs (due to emi), the company takes care of the additional 80k. My money 5.2 lacs only goes towards the actual cost of the car and not towards interest. Is this correct way of asking company to take care of additional burden?

3. Is there any other alternative way?

Q: If a women whose husband is dead, has no son and nobody who can finance her needs, use the interest earned on the large sum of money deposited by her husband in a savings account during his lifetime? She has one daughter (separated from her husband) with her who also has nobody to earn for her. Can she also use the same interest money?

Q: The ATM machine didn't work properly and the money didn't come to my hands but the money was deducted from my account. Can I cut this money from my interest money. I was taking out money for personal use.

Q: I want to find out the fatwa or the ruling regarding medical aid and hospital plans. Is it acceptable or not?

Q: I need a loan from the bank, but they are charging interest. Can I take that loan or I will find another bank that gives me an Islamic loan.

Q: Is Health insurance policy, life insurance policy etc is permissible in Islam? Kindly send some reference of hadith and Quran also.

Q: What types of banking accounts are permissible to open? Can I open a savings account with the intention that I will deduct the amount of interest earned from the total balance every month?