Is it permissible to purchase goods and withdraw cash using an Islamic credit card based on murabaha, offered by banks in Bangladesh, which charges a fixed daily profit and fees for cash withdrawals, and penalties for late payment, despite having a Sharia board that approved it?

The credit card in the form of Murabaha to the one who commands the purchase is forbidden, and it is not permissible to issue or deal with it, due to its encompassing several Shariah prohibitions:

1. The bank's lack of knowledge of the goods purchased, neither their specific identities nor their descriptions.

2. The bank's failure to take proper possession of the goods it purchased.

3. Some goods and services are consumed by the customer before the bank purchases them, making it a sale of something non-existent, and this contradicts the permissible Murabaha sale, which requires the bank to genuinely own and possess the commodity before selling it to the customer.

4. The percentage imposed by the bank on cash withdrawals after the grace period expires is considered usury (riba).

5. Imposing a 27% increase on the purchase amount in case of non-payment within the specified deadline makes the sale forbidden and invalid due to the ambiguity of the price.