What is the ruling on refinancing from a bank with all installments in a single payment, while closing the Visa card and receiving the remaining amount? And how can one identify Islamic banks in Saudi Arabia, especially since many scholars permit certain loans, such as those involving dates and Ijara ending in ownership?

It is not permissible to enter into a transaction with a bank if it involves debt on debt (refinancing or debt rescheduling), as this is usury (riba). However, permissible tawarruq (monetization) is allowed. As for Islamic banks, they are institutions that adopt Sharia as the system for their transactions and have a Sharia board for oversight.