To Use a Credit Card and Pay Interest

Q: I have an ATM card. I overdrew / bought something when I had no money in the account and should pay a mark up monthly. If this extra amount is counted as interest, what is the kaffarah of this sin? And how can I rescue myself and family form the impacts of this haram act in the future? Because I must pay this money back in 20 monthly payments plus interest.

A: If, through using a credit card, one receives a loan to be paid back later with an interest, the money borrowed is halal. However, unless it is charged by the bank as a fee, the extra paid is riba and haram and, according to shar‘, you do not owe the bank this amount although the bank will inevitably take it from you.