Is it permissible to obtain a credit card for the purpose of presenting it as a guarantee when renting cars, with payment in cash upon return?

It is permissible to use a Visa card that includes an usurious condition (late payment penalty) if there is an undeniable and unbearable hardship without it, and the probability of late payment is low. The usurious condition does not invalidate the contract in this case due to necessity, and because payment is highly probable. What is taken into consideration is observing the certain matter (necessity) over the doubtful matter (late payment).