What is the ruling on using credit cards from usurious banks in Palestine, knowing that the user will not delay payment to avoid usury, and a fixed amount is paid to the bank as a service charge?

It is forbidden to obtain a credit card that obliges the customer to pay interest upon late payment, because it is an acknowledgment of usury and an entry into a forbidden contract. This is not permissible except in cases of dire necessity (ḍarūrah sharʿiyyah), which is when an individual reaches the brink of destruction or is close to it if they do not engage in the prohibited act. As for the fixed amount paid as a monthly fee for issuing the card, it is permissible, but this should only be considered after verifying the validity of the issuance contract.