Is a credit card that automatically deducts payments from a bank account permissible, given that one cannot be certain whether interest will be added in case of insufficient funds, and does its ruling differ if there are points or discounts when using it?

Sanctioning usury is forbidden, and it is not permissible to use a Visa card if it stipulates a penalty for late payment. However, it is permissible to use it out of necessity, provided that payment is made promptly, an agreement is made with the bank for automatic payment, and no item is purchased unless it is confirmed that there is sufficient balance to cover its price.

There is no objection to taking the points and gifts given by stores to those who use a Visa card, nor is there any objection to converting them into cash, as they are considered a discount on the price.