What is the ruling on taking additional credit from a telecommunications company, with a service fee imposed on every minute of call and text message, and the full amount deducted upon recharging?

The contract between the telecommunications company and the customer is a lease contract, and the balance (credit) is the leased usufruct. The company enabling the customer to charge their balance before payment is a sale of usufruct with deferred payment, not a loan. This is permissible if the amount and deducted fees are known and specified, even if the rent (fee) varies according to the consumption of the usufruct, provided that this does not lead to a dispute.