Is it permissible to use a credit card with a credit limit of 11,000 Saudi Riyals, linked to the customer's current account where his salary of 8,900 Saudi Riyals is deposited, with a cash withdrawal fee of 75 Saudi Riyals, an exemption from issuance fees for the first year, and a calculation of 1.75% on the remaining amount after 45 days of delayed payment?

This is clear usury (riba) and is impermissible to deal with. The resolution of the Islamic Fiqh Academy stipulated the permissibility of issuing uncovered credit cards if they do not include conditions of usurious increase on the principal debt. It is permissible to take a fixed fee for issuance and renewal, and a commission from the merchant, provided that the selling price with the card is the same as with cash. Cash withdrawal is permissible if it does not result in a usurious increase, and fixed fees for the service are not considered usury. Any increase beyond the actual services is forbidden. It is not permissible to purchase gold, silver, and currencies with an uncovered card. The card in question included a usurious increase in case of late payment, hence it is impermissible.