Shaikh Ahmad an-Najmi rahimahullah said:

“…If the consumer knows that this card will finish at the end of the month, then there is no preventative. So he uses it in this duration and if he does not use it then he knows it will end [at the end of the month]”.

Note: Some of the speech of the Shaikh is not clear

[Reference]

Translated by

Faisal Ibn Abdul Qaadir Ibn Hassan
Abu Sulaymaan