What is the ruling on using the credit card provided by the company for private and public travel, which stipulates an interest or a fine in case of late payment, knowing that the company bears the annual fees?

It is not permissible to use credit cards that stipulate interest and penalties for late payment, even if the employer pays these interests and penalties, because it is not permissible to enter into a forbidden contract from the outset, nor to accept such conditions, nor to assist in them, except in cases of recognized necessity. Since the employer refunds the amounts after a short period, these forbidden cards should not be used.