What is the ruling on using a credit card to withdraw a sum of money before the salary is deposited, knowing that a small percentage is deducted, and is there a specific time period within which the withdrawal is not considered unlawful?

The bank taking a percentage from the buyer via credit card is impermissible. The claim that there is a time period for which the creditor can take an increase from the debtor is null and void, because any loan that draws a benefit is usury (riba), whether the period is long or short.