Is it permissible to continue using a credit card issued by usurious banks, and what is the ruling on the points accrued from its use, and what is the ruling on what has already been benefited from in terms of previous points?

It is permissible to use credit cards when there is a need, especially for those residing in the West, provided that their use is limited to the area of need and that the balance is settled before the end of the grace period to avoid prohibited late fees. The European Council for Fatwa (definition) and Research has permitted the use of these cards for dire necessity, and this is what Muslims in the West have generally practiced. There is also no harm in benefiting from points earned through card usage for permissible things.