What is the ruling of Islamic law on dealing with electricity and telephone companies that impose fines for late payment, given that their services cannot be dispensed with?

An uncovered Visa card is considered a loan from the bank, and it is forbidden to stipulate a penalty for late payment of its debt, as this constitutes an acknowledgment of usury. Nevertheless, it is permissible to use it in cases of extreme necessity or urgent need, such as the need to rent a house or a car in some countries, with the intention of paying on time and avoiding delay. Furthermore, adhesion contracts with public utility companies that include forbidden conditions, such as late payment penalties, may be entered into if there is hardship in refusing them, provided one dislikes the condition and intends to pay on time.