Has dealing with the company become unlawful after its system changed to 3% of the value of purchases instead of a fixed annual issuance fee?

A loan is permissible if it is repaid without a stipulated increase, and paying for actual service expenses is permissible. However, if a loan is repaid with a stipulated increase, whether small or large, it is an interest-bearing loan (riba) and is not permissible to undertake. If the company loans you money on the condition of an additional percentage for the sake of borrowing, and not in exchange for administrative procedural costs, then it is not permissible for you to borrow from it, because borrowing with interest (riba) is a major prohibited sin.