Do you have to give zakat even if you have already credit?

Yes, you are still required to give zakat even if you have outstanding credit or debt. Zakat is calculated based on your total wealth, including savings and assets, minus any debts you owe. It is typically calculated at a rate of 2.5% of your eligible assets, and fulfilling this obligation is considered a key aspect of Islamic financial responsibility. However, if your debts exceed your assets, you may not be required to pay zakat.