The study aimed to clarify the nature of the contractual relationship between the bank and the client upon which the unused credit limit is based in credit cards and deferred discount, describing it accurately in light of its reality, in addition to defining the concept of seizure in the loan, and then reviewing the possible adaptation aspects that may apply to the unused credit limit, leading to the selection of the appropriate adaptation.

The study was divided into three sections; the first dealt with the concept of loan and seizure, and defining related terminology. The second section discussed the issue of loan seizure from the perspective of jurists, while the third section investigated the issue of the credit limit in the context of the loan contract. The study concluded with several results, the most important of which is that the researchers believe that the unused credit limit is a loan contract established between the bank and the client. This is the opinion of the Maliki school, who argued that the loan is established as soon as the contract is concluded, and the opinions of the Hanafi and Hanbali schools, who required the delivery for its proof. This is achieved in the unused credit limit, unlike the Shafi'i school, who required dealing with the money to realize the seizure, and this is not achieved in the unused credit limit

Title

مجلة العلوم الشرعية

Publisher

جامعة الإمام محمد بن سعود الإسلامية

Publisher Country

Saudi Arabia

Publication Type

Prtinted only

Volume

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Year

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Pages

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