After reading that it really is not permissable to pay intrest it worries me as i have a credit card and a personal loan (i got both b4 converting) but i have alot to pay am i in sin how does this work? what should i do? also just about everyone (muslim) i know has credit cards and personal loans i assumed it was normal i heard charging intrest was haram but didnt know paying it was to! how bad is it? whais the sin?