Is a Visa card considered usurious if payment is made within the specified period without interest, and is it permissible to benefit from the items purchased with it?

It is not permissible to use credit cards that stipulate an increase in case of late payment. It is permissible to benefit from things that the father bought with these cards, even if their purchase was through an interest-based contract, because the prohibition relates to the person's liability, not to the money itself.