What is the ruling on using Visa cards that allow withdrawal as a loan with interest charged in case of delay, if the intention is solely to deposit and withdraw personal funds without utilizing the loan facility?

It is permissible to obtain a bank card if there is a compelling need for it, provided it is used only within the limits of your own balance. However, if an Islamic bank is available, it is not permissible to deal with a usurious bank, because doing so strengthens and aids it. Indeed, it is forbidden to deal with usurious banks when an Islamic alternative exists.