Is it permissible to obtain a prepaid card from a usurious bank, which is covered by a prepaid balance that cannot be exceeded when it runs out, knowing that it can be issued without having an account with the usurious bank?

The fundamental principle is to avoid dealing with usurious banks, unless there is an extreme necessity and a lack of Islamic alternatives. In such a case, it is permissible to obtain a covered Visa card from a usurious bank under specific conditions. The International Islamic Fiqh Academy has permitted the issuance and use of covered credit cards on the condition that they do not involve interest charges for late payments. The rulings outlined in Resolution 108-2-12 concerning fees, discounts, and cash withdrawals, with their respective controls, apply to these cards. It is permissible to purchase gold, silver, and currencies with them, but it is not permissible to grant the cardholder privileges that are forbidden by Islamic law.