What is the ruling on using a credit card as a prepaid card to avoid its usurious conditions, especially after Islamic banks have closed their prepaid card services?

It is not permissible to issue or use a credit card if it is conditioned on additional fees for borrowing, because this increase is considered usury (riba). The Islamic Fiqh Academy has ruled against the permissibility of issuing or using such a card if it is conditioned on a usurious increase, even if the cardholder intends to pay within the grace period. However, if the card does not include conditions for a usurious increase on the principal amount, then it is permissible to issue it. It is not permissible to issue the card or continue using it if it carries a usurious condition, even if the user intends to avoid interest.