The Ruling on Bank Credit Cards

Honorable Shaykh! There are credit cards issued by some banks and exchange companies. This card is used when traveling abroad to settle bank accounts or purchase some items from markets. When the bills arrive, they are deducted from his account in the bank or the company. Sometimes his balance does not cover the amount, so he remains owing the bank a sum. The bank collects this with riba (usury or interest) at certain rates. Sometimes this happens without the person’s intention. What is the ruling on this? And what should one do if this happened to him in the past?
This transaction is haram (forbidden); because it is a transaction based on the commitment to riba (usury or interest). Even if he pays before the riba (usury or interest) becomes due, he has entered into a commitment to riba (usury or interest), so it is haram (forbidden). If it happened to someone and he was the beneficiary, this extra riba (usury or interest) should be given in charity with the intention of getting rid of it. If he was the wronged party and an oppressor took it from him, his repentance is sufficient; because he is the wronged one, not the oppressor.