Is it permissible for Muslims in Canada to use the iFreedomplus credit card?

There is no harm in using a credit card if it is free from the condition of an interest charge or a penalty for late payment, and from taking a percentage on the withdrawal operation if the card is uncovered (unsecured), though it is permissible to take only the actual fee. It is also impermissible to purchase gold, silver, and currencies with an uncovered card. It is permissible to use a prepaid Visa card, even if its issuer takes issuance fees that exceed the actual cost.