What is the ruling on paying university tuition fees via a credit card that includes an usurious condition in case of delayed payment, knowing that there is no other way to pay and that the questioner will not fall into usury? Is it permissible to give the fees to a Christian colleague for him to pay with his card?

It is not permissible to obtain this card due to its inclusion of usury, which is represented by the stipulated financial penalty for late payment. Any contract that contains an usurious condition is not permissible to enter into. The questioner is not considered to be in a state of necessity to obtain it, as long as his colleague can pay the fees through his own card. Therefore, it is permissible for the questioner to authorize his colleague to pay the fees by giving him the money in cash. If this is not possible and he finds no alternative to the card, then it is permissible for him due to necessity.