Is the fixed annual fee for a card that allows payment for goods in interest-free installments, with a credit limit tied to one's salary, considered usury?

The intermediary company's payment of the price on behalf of the cardholder is considered a permissible loan, provided it is not collected with an increase. The card issuance fee is not usury if it is in exchange for actual services. Issuing an uncovered credit card is permissible if no usurious increase is stipulated, and it is permissible to charge a fixed fee for services. It is permissible for the bank to take a commission from the merchant, provided that the selling price with the card is the same as the cash price. Cash withdrawal is permissible if it does not entail a usurious increase. However, it is not permissible to purchase gold, silver, or currencies with an uncovered card.