What is the religious ruling on using a credit card for online purchases if the bank completes the purchase value – even if the customer chooses to deduct 100% from their account – by imposing an additional amount and 20 pounds for this, and requests an acknowledgment of payment for any debt to the bank, and warns against an unsuitable record for the transactor in case of non-payment? Is this transaction usurious?

It is absolutely impermissible to deal with an interest-based bank due to the support and encouragement it provides to it, unless a Muslim is compelled to engage in a permissible transaction and finds no other option; in that case, there is no harm. Regarding credit cards (Visa cards), they are a loan with usurious interest, whether the interest is direct or incurred upon delayed payment. Therefore, it is forbidden to obtain them because it involves acknowledging and entering into usury and contracts that are forbidden by Islamic law.