What is the ruling on a husband taking a cash amount from a credit card issued by an Islamic bank, with monthly installments and administrative fees, without an increase in the amount if repaid early?

The aforementioned transaction is permissible if the increase the bank takes is merely fixed administrative fees not tied to the borrowed amount or the repayment period. A flat fee for a cash withdrawal service is not considered usury if it is not linked to the loan amount or its duration. Any increase beyond the actual services is forbidden because it is considered usury.