Is it permissible for a brother working in America to withdraw an amount of 35,0 dollars using a credit card, and pay the minimum due (600 dollars, of which 500 is interest), knowing that his income is 2,0 dollars, and he has no savings, and that this will be paid over 40 years? Is it permissible for him to go to the bank and ask for the debt to be waived on the grounds of financial hardship?

The first matter: Withdrawing an amount via a credit card that is repaid with more than the original amount is precisely the forbidden usury (riba). You must repent and return the borrowed amount without interest if possible. Otherwise, you may pay the interest under duress.

The second matter: Exempting a person from repayment: If the person is genuinely unable, there is no sin in informing them of that. If they are able, lying is impermissible. However, they may use dissimulation (tawriya) after paying the principal amount, saying, "I cannot pay," intending the usurious interest.

And Allah knows best.