What are the scholarly opinions regarding the ruling on using something purchased with a Visa card that has a usurious condition in its contract, and what is the most preponderant opinion supported by evidence?

Issuing and dealing with credit cards that involve usurious conditions is prohibited. However, there is no harm in using and benefiting from goods purchased with such a card, because the prohibition of borrowing with usury is connected to the borrower's liability and not to the money itself.