What is the ruling on using credit cards (Visa, Mastercard) for online buying and selling, and for withdrawing cash from ATMs, considering that some types allow overdrafts or require a balance, and in both cases the bank charges a commission and interest on late payments?

The use of credit cards (whether with a balance or without) is permissible if the issuing entity does not obligate the late payer to pay a sum for the delay, and it is permissible for the issuing entity to take a fixed commission for the service. However, if it takes interest on withdrawn amounts or on delayed payments, then its use is forbidden due to its inclusion of usury (riba), and assisting in it is also forbidden. What the intermediary between you and the internet takes is permissible because it is a fee for a permissible service.