Is it permissible for a Muslim living in Britain to withdraw money using credit cards that charge a fee for the transaction?

What are known as guarantee cards or credit cards are, in reality, a loan contract. The lender is the entity issuing the card, and the borrower is the customer using it. What is permissible in a loan is permissible in them, and what is prohibited in a loan is prohibited in them, along with specific rules and conditions for their valid use.