What is the ruling on using a credit card that includes a late payment penalty clause, or dealing with an interest-based bank to obtain an electronic card that has no loans but charges fees as a percentage of the withdrawn amount?

Firstly: It is permissible to use an unsecured credit card under certain conditions: no interest or penalty for late payment should be stipulated, no excessive issuance fees beyond the actual cost should be charged, no percentage should be taken on cash withdrawals (only actual service charges are permissible), and it should not be used to purchase gold, silver, or currencies. As for the secured card, there is no objection to it, even if its fees exceed the actual cost.

Secondly: If an Islamic credit card free from prohibitions is not available, it is permissible to use a secured card issued by a usurious bank. This is because the harm of assisting a usurious bank — with the contract itself being sound — is less severe than the harm of signing a usurious contract, especially since an individual might delay payment and be forced to pay usury. This harm becomes even less severe if Islamic banks in the questioner's country invest customers' funds in usurious bonds.