What is the ruling on purchasing goods with credit cards, with the amount being paid in interest-bearing installments?

The ruling on using uncovered credit cards depends on the extent to which they adhere to Sharia guidelines. Cards issued by Islamic banks that do not contain any Sharia prohibitions are permissible. However, cards issued by interest-based banks, or those whose use entails a Sharia prohibition such as usurious interest, are not permissible to use except out of necessity. The Fiqh Academy has ruled that it is not permissible to issue or use a card if it is conditioned on an increase in usurious interest, even if the cardholder intends to pay within the grace period. It is permissible to issue a card if it does not include conditions for a usurious increase on the principal amount of the debt. It is also permissible to charge a fixed fee for issuance or renewal, and to take a commission from the merchant, provided that the merchant's sale with the card is at the same price as cash. Cash withdrawal is permissible if it does not result in a usurious increase, and fixed fees that are not tied to the loan amount or duration are not considered usury. Furthermore, it is not permissible to purchase gold, silver, or currencies with an uncovered card.