What is the ruling on using a Visa card that enables the client to withdraw cash amounts exceeding his balance, and he is obligated to repay them within a specified period, otherwise he pays an increase to the bank, in addition to paying an annual fee for using it?

This transaction is forbidden because it involves a commitment to pay usury (riba) if payment is not made on time. This commitment is void, even if it is highly probable that payment will be made before the due date, for a person does not know what will happen to him in the future.