Interest, in finance and economics, is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (that is, the amount borrowed), at a particular rate. It is distinct from a fee which the borrower may pay the lender or some third party.
Yes, it is allowed to open an account in non Muslim banks. The interest which they usually add on your money is allowed for you to take as far as you did not put a condition on them to pay you interest, but you know that they usually pay interest.
If you take the money from a Non Muslim bank and use it in lawful way, then it is allowed.
If you take the money from a Muslim bank, then you must have with them an agreement within the frame of Islamic rules of business.
If the bank is owned by non Muslims, and you did not put a condition on them to pay you interest, you can use that amount which is given by them willingly.
If the bank is owned by Muslims, you may give that additional amount to the poor.
We can not prohibit others in Western society from dealing with Riba, but we as Muslims are not allowed to deal with Riba.
The meaning of Riba is to be taken from the Marja' of Taqleed and not from the people.
Despite the fact that we live in a society which deals with Riba but we should not indulge ourselves in Riba as far as we can.
It is permissible to receive payments through Credit Cards as far as you ae selling a material which is allowed to sell. If and only if you are sure that the Whole money of the Card holder is Haraam (unlawful) then you will not be allowed to take such unlawful money.