Is it permissible to pay Zakat via credit cards if the balance covers the amount and is settled without interest?

Credit cards are of two types: a prepaid card, which is permissible, and an uncovered card (a loan from the bank). If it stipulates an increase over the actual cost or a late fee, then it is usurious and forbidden. It is disliked to deal with usurious cards, even if the customer intends to pay on time to avoid riba, because it acknowledges usury with the possibility of falling into it. If zakat is paid with a usurious credit card, the zakat is valid and fulfills the obligation, though there is sin for dealing with the usurious card, because the borrower owns the borrowed money.