Is it permissible to act upon the fatwa that permits the use of credit cards issued by usurious banks, provided that the value of purchases is paid within the grace period? Is it permissible to withdraw cash from these cards with a fixed commission payment? And does the fatwa of Dr. Ali Muhyi al-Din al-Qaradaghi, which permits taking a commission on cash withdrawals from cards issued by Islamic banks, apply to usurious banks?

Visa cards issued by usurious banks are forbidden, as their contracts include a condition to pay a sum for late payment, and this is an affirmation of usurious dealing. As for Visa cards issued by Islamic banks, they are permissible and do not impose a percentage on the amount used. Rather, they are allowed to take a fixed amount for administrative expenses. The International Islamic Fiqh Academy has decided the following: 1. It is not permissible to issue or deal with uncovered credit cards if they stipulate an increase in usurious interest. 2. It is permissible to issue an uncovered card if it does not include conditions for a usurious increase, and consequently: It is permissible to take a fixed fee upon issuance or renewal. It is permissible for the bank to take a commission from the merchant, provided that the selling price with the card is the same as the cash selling price. 3. Cash withdrawal is permissible if it does not result in a usurious increase, and fixed fees that are not related to the loan amount or duration are not considered as such. 4. It is not permissible to purchase gold, silver, and currencies with an uncovered card.

As for whoever permitted dealing with credit cards with a condition of interest for late payment, while emphasizing repayment within the grace period, this opinion is incorrect.