As I said, Visa issues both Shari'a-compliant credit cards and interest-bearing ones. And so does MasterCard. Google "Islamic Visa" or "Islamic MasterCard." And if he wants to, the infidel Johann can invest in a sukuk (Islamic security) any time he wishes. And so can you. Must admit, I was surprised to hear about the home financing for non-Muslims. The two agencies I looked at in Canada both specified that their plans were strictly for Muslim customers. Thanks, Steve. J.