What is the legal ruling on issuing an uncovered credit card for use in cases of extreme necessity with the intention of immediate repayment, and what is the jurisprudential difference between two offers from different banks, one Islamic and the other interest-based?

The presence of a late payment penalty clause in credit cards is sufficient to prohibit their use, even with the intention of early repayment, unless there is a legitimate need. The resolution of the Islamic Fiqh Academy states: "It is impermissible to issue or use an unbacked credit card if it stipulates an interest-based increase (riba), even if the card applicant intends to repay within the free grace period."