Is the additional amount (23 riyals per 1,000 riyals) imposed under the heading of "Tawarruq" when using a Visa card to purchase goods and pay for them in installments, while committing to pay before the due date, considered Riba (usury) or normal administrative fees?

Perhaps the additional amount is the bank's profit from the Murabaha transaction it conducts, which is a type of impermissible organized Tawarruq. The bank may also issue credit cards that it claims are Islamic, but they are based on a usurious trick known as "debt conversion." If the customer delays payment, the bank buys metals for him on credit at a value greater than the original debt, then immediately sells them for cash at the original debt's price, thus settling the original debt while remaining indebted to the bank for the greater value of the metals. This type of transaction is forbidden because it is an overt stratagem to commit usury. The intention to pay on time does not permit entering into these forbidden contracts from the outset.