Are the administrative fees imposed by the credit card, which increase with the length of the repayment period, considered unlawful usury (riba)?

The card mentioned in the question is not permissible to use because it involves usury (riba). The mentioned percentage is not an administrative fee; rather, it is usurious interest. This is because administrative fees are a fixed amount that does not increase with the amount or the duration. The resolution of the Islamic Fiqh Academy states that cash withdrawals using the card are permissible as long as they do not involve usurious increase. Any increase beyond actual services is forbidden because it is considered usury.