The ruling on dealing with a Visa card on installments

Question:
He says: I deal with a Visa card such that we buy with the card and then pay it off in monthly installments. Is this riba (usury or interest)? And if it is riba, how do we get out of it? And what do we do with the money we paid for the delay?

Answer:
Did you ask before you paid the money? As for after you have paid the money, taken the card, and dealt with it, you have trapped yourself. The Visa is not permissible in this manner. It is forbidden.
You give the bank an amount, and then it pays for your purchases, and then it takes back the amount from you with an increase, or it is content with the money you gave it at the beginning, which is this increase.
This is not permissible. It means you lent to it, or it lent to you and paid on your behalf; its paying on your behalf is considered a loan, so it is not permissible for it to take an increase, whether in advance or in arrears. Fatwas have been issued by the Permanent Committee forbidding the Visa. If you consult the Dar al-Ifta and take a copy of the fatwa, you will be safe from this transaction. Yes.