a financial services card formulated in accordance with the principles of the present invention comprises a payment or transactional card equivalent in many practical respects to a conventional credit card , however , which operates in compliance with shari &# 39 ; ah financial guidelines and islamic law and therefore is conducive for use by islamic consumers in support of their respective purchase or payment applications . this financial services card can include processing and transaction acquisition practices which are compatible and consistent with the operating morays and norms of the conventional credit card industry while complying with shari &# 39 ; ah financial guidelines .