Is it permissible to join an electronic association that charges administrative fees to pay off credit card debt and avoid usurious interest, especially when compelled and with no other solutions available?

If the questioner has only two options to repay his usurious loan and avoid further usurious increases, then he is permitted to join one of the aforementioned electronic associations to pay off the credit card value. This is because the شبهة (suspicion) of usury in electronic associations is confined to a specific, fixed interest that does not increase over time, unlike usurious loans which are considered explicit usury (riba sareeh) and can generate further usurious amounts that increase with every delay in payment. This ruling is based on committing the lesser of two evils to avert the greater, provided that permissible means of settling the debt are unavailable.