Is using a credit card at a point-of-sale (POS) device to withdraw cash from a store—in order to avoid cash advance fees and usurious interest—considered a form of deception?

Credit cards are of two types: permissible, like those that charge fees for services, and impermissible (haram), like those issued by usurious banks with interest or late penalties. It is not permissible to use the latter except out of dire necessity.

Cash withdrawal with a credit card is permissible as long as it does not result in an usurious increase. Fixed fees are not considered usury (riba).

Circumventing fees is not permissible except with explicit permission from the issuing entity.