Delegating someone to buy something using a credit card

It is not permissible to use credit cards which oblige the
cardholder to pay a penalty in the event of late payment. This has been
discussed in the answer to question number
97530 and
11179. 

If your friend’s credit card is free of this condition, then
there is nothing wrong with you delegating him to buy what you want and
sending him the money later on. 

But if the card has this condition, then it is not
permissible for you to delegate him to buy something for you with this card,
because if it is not permissible for a person to do a thing, it is not
permissible for him to delegate someone else to do it. 

It says in al-Mawsoo’ah al-Fiqhiyyah al-Kuwaitiyyah
(25/66): It is not acceptable to delegate to someone else that which it is
not acceptable for him to do himself, because the agent is acting on his
behalf. 

Shaykh Ibn ‘Uthaymeen said: This is a principle; everyone who
has the power to dispose of a thing is entitled to delegate it to someone
else or be delegated by someone else; and if he does not have the power to
dispose of it, he does not have the right to delegate it to someone else or
be delegated by someone else. Al-Sharh al-Mumti’ (9/90). 

What you have to do is look for another way to buy the items
you need, especially as there are now a number of credit cards on which you
may put a certain amount of money and then use them within the limits of
this amount, without there being any interest or riba. 

If this credit card is free of this riba-based condition,
there is nothing wrong with you delegating your friend to buy things for
you, then you can send the money to him later on. This is not regarded as
buying currency for currency, in which a hand-to-hand transfer would be
stipulated; rather it is a loan to you from your friend. 

And Allaah knows best.