Is it permissible to obtain a credit card and use it by depositing the amount intended for purchase into the card's account prior to the purchase, in order to avoid drawing from the available balance on the card? And is this considered an usurious transaction? And is it considered an usurious transaction if I ask a person who owns a credit card to make a purchase for me, and then I repay him the amount in cash?

For dealing with credit cards to be permissible, Shariah compliance conditions must be met, as many Visa cards include impermissible elements, such as signing a usurious contract, actually engaging in usury, or charging the client a percentage on withdrawals, which is prohibited usury.

It is permissible to issue and use covered credit cards if their terms do not stipulate paying interest upon delayed payment. The rulings from the Islamic Fiqh Academy's resolution regarding fees, discounts, and cash withdrawals apply to them, provided they adhere to the stipulated controls. It is permissible to purchase gold, silver, or currencies with them, but it is not permissible to grant impermissible privileges to the cardholder.

As for uncovered cards, it is not permissible to issue or use them if they stipulate an increase in usurious interest. However, it is permissible to issue them if they do not include a condition for a usurious increase on the principal amount. It is permissible to take fixed fees upon issuance or renewal, and to take a commission from the merchant, provided that the price is the same as for cash. Cash withdrawal is permissible if it does not result in a usurious increase. It is not permissible to purchase gold, silver, or currencies with an uncovered card.

Regarding a purchase request from someone who possesses a credit card, if the card is Islamically permissible, then there is no objection; otherwise, it is not permissible.