Is it permissible to use a credit card to build a good credit score, given that this affects the cost of insurance (such as car and health insurance) and all contracts include the payment of interest on the principal amount after a specified time?

It is permissible to use a Visa card if it is free from the condition of interest or a penalty for late payment, and from taking non-actual issuance fees, and from taking a percentage on withdrawals beyond the actual service charge, and from purchasing gold, silver, and currencies with an uncovered card. Some scholars have permitted its use in Western countries out of urgent necessity, even if it includes a penalty for late payment, if it is highly probable that payment will be made on time. However, if there is no severe hardship that cannot be removed except by using it, then it is not permissible to issue or use it, especially if it includes usurious increases in fees. The permissible alternative is a prepaid card that does not include usurious conditions.