Is it permissible to use a credit card that charges usurious fees and interest due to a bank employee's error, and what should be done about it?

For a Visa card transaction to be permissible, it must be free from impermissible elements, such as imposing a fine or an increase when payments are made in installments or delayed. Also, the issuance fees must not exceed the bank's actual cost. Your use of a card that imposes a late fee is not permissible, even if you intend to pay on time, because this implies acknowledging and agreeing to usury, and you might actually be forced to pay usury. The amount imposed on you due to an employee's error—the sin is on them, not on you, because you paid it under duress.