Is it permissible to obtain an Islamic Visa card with the intention of not using it for cash withdrawals and settling the full outstanding balance in the same month? And is it considered a sin to sign a contract that includes invalid usurious conditions (such as an increase on cash withdrawals), even if the intention is not to activate these conditions?

There is no harm in using a Visa card if it is free from the condition of an interest charge or a penalty for late payment, and if it does not charge a percentage on the withdrawal process when the Visa is not covered (only the actual fee is permissible), and if it does not prohibit the purchase of gold, silver, and currencies with an uncovered card. It is not permissible to sign or enter into an usurious contract, because a person may delay payment and fall into usury, just as it is not permissible to approve a forbidden contract. Therefore, one should not enter into a card system without necessity, to avoid signing invalid conditions and exposing oneself to situations of temptation.