What is the ruling of Islamic law on possessing a bank installment card through which the bank finances the client with five times his salary, and which is used as a purchase card without commissions, with the bank taking a percentage from the seller in exchange for providing the client?

The bank's imposition of fees on the merchant for using the card does not affect the permissibility of the transaction, nor does it prevent its utilization, provided that the merchant does not increase the price for those who purchase with the card, in accordance with the Islamic Fiqh Academy's resolution No. 108 (2/12).