Is purchasing or withdrawing with covered credit cards—with certainty of repayment before any interest-based increase is incurred—considered usury that warrants expulsion and curses from God’s mercy, or does it not reach the sin of usury and is not considered among the grave sins?

Issuing and dealing with credit cards is not entirely forbidden; rather, it contains both the permissible and the impermissible. Obtaining cards that impose an increase in case of late payment is impermissible, even with the intention of not being late, because it involves acknowledging the forbidden usurious condition. Nevertheless, merely entering into this contract does not subject its owner to the curse promised to those who consume usury, its agents, scribes, and witnesses.