What is the ruling on using a Visa card and similar cards, and what is the ruling on using a credit card for purchases only? Is it impermissible to exchange cash purchases after paying with a credit card?

Many credit cards involve two prohibitions: signing a contract that acknowledges usury in case of late payment, and the possibility of falling into usury if payment is delayed. If the transaction is free from these two prohibitions, then it is permissible to use it, provided that the usurious condition is removed and care is taken to pay on time. There is no difference between withdrawing cash and using it for purchases; the determining factor is the card's freedom from these two prohibitions. If one or both of them exist, then it is not permissible to use it, and the cash refund for returned goods takes the same ruling. If the bank takes a usurious interest on withdrawing money, then it is not permissible to deal with it.