I live in America and my family has credit cards and insurance because they say it’s necessary. Would it be allowed to use these items in smaller transactions where it’s not necessary such as using my insurance to get my 20$ for cheaper since I already have the insurance? Jazakullah Khair

Ustadh AbdulAziz al-Haqqan

I do not know who among the prominent people of knowledge and muftis has given them this fatwa. As for your question, I do not fully understand what you mean. I need more details so that I can answer.