What is the ruling on using a credit card from a usurious bank, which is granted without a commission for the first year, and without any increase on purchases when 100% of the balance is paid, but with a 4% addition on cash withdrawals?

It is not permissible to transfer salaries to a usurious bank unless the employer compels it. In that case, the salary must be withdrawn immediately upon its deposit. Furthermore, taking a credit card from a usurious bank in the manner described is forbidden.