Is it permissible to use bank cards that impose an additional 10% fee on an item if its price is in a foreign currency, in addition to a fixed amount in local currency as an international usage fee, knowing that these fees are not refunded when the item is returned?

The proportion, if added to a known quantity, becomes known. The problem lies in the credit card being uncovered, and the price paid by a person for their purchases is considered a loan. The fees taken by the card-issuing entity for the transaction, are they usurious interest or service fees? The Fiqh Academy has ruled that fees linked to the amount of the loan are impermissible, and any increase beyond the actual services is forbidden because it is usury. Some contemporary researchers have allowed these fees to be a percentage of the amount.