What is the ruling on agreeing with the bank to automatically pay the credit card bill from the account on the due date to avoid the usurious condition, given that it is unknown what will happen if the balance is insufficient, and does the ruling differ when possessing cards from different companies to benefit from points or discounts that can be exchanged for cash?

It is not permissible to obtain a Visa card that includes an interest-based condition, except out of necessity or a considerable need, while sufficing with what meets the need and settling the amount on time to avoid interest-based charges. As for the points granted by banks in exchange for the forbidden transaction, which can be exchanged for money, it is not permissible to benefit from them except for the poor and needy, to the extent of their need. These points must be disposed of by spending them on the interests of Muslims or giving them to the poor and needy, as they are a reward for an interest-based contract, and they should not be left to the banks.