The term usury goes back to Biblical times and has been historically banned by Christians and Muslims in financial transactions. This is not to say these groups do not employ usury as the original definition of usury simply meant interest but in modern times the meaning of usury has come to mean excessive interest charged.
The dilemma remains what is considered excessive interest. Lately the credit card companies have been accused of employing usury. Many credit card companies charge annual interest rates approaching and surpassing 20 percent for good credit risks.