the reason why i want to terminate Bank Islam credit card is because they are now behave like other conventional bank like HSBC,Maybank,and so forth

so ..i think , from Islamic perspective , AlRajhi provide a good service without charging any interest/riba/bunga if we want to do cash advance ..after 55 days if we not able to pay the debt , AlRajhi will send letter saying that u should pay the debt else u will get penalty ...this is good too as Prophet Muhammad saying people whom not paying debt should punish them.