Is it permissible to sign a bank account opening contract to obtain a card if the contract includes an usurious condition, with the intention of using the card only for permissible things?

There is no harm in using a credit card for an urgent need, provided that it is not used when there is no balance, and that the bill is paid before the end of the grace period to avoid late fees and falling into the sin of Riba (usury). This is the ruling adopted by most contemporary scholars, and it is necessitated by need and widespread difficulty, for when a matter becomes restricted, it expands.