Does the imposition of fees on excess or rejected transactions, and the suspension of the card in case of a negative balance or the rejection of three transactions monthly, involve usury or prevent the permissibility of dealing with this card?

There is no prohibition against electronic credit cards that do not involve usurious fees or interest. The service or transaction fees mentioned are considered permissible wages or brokerage. The variation in fees based on the type of transaction does not affect its permissibility, as long as it is tied to a known and well-defined description.