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If the disputed Card Transaction turns out to be real, the Cardholder shall pay the quantity set out in the relevant Card Transaction together with any charges incurred by the Bank in the investigation of such disputed Card Transaction. Payments will be handled as created from the date on which the funds are literally received by the Bank within the strange course of business and never from the posting date on the Statement. At least 3-4 days ought to be allowed for the payment to be credited to the Card Account. If the Cardholder pays an quantity less than the current stability of a particular month’s invoice statement by the fee due date, curiosity shall be accrued on the balance remaining after the Payment Due Date and might be posted within the next assertion.
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Installment tenure might differ from three to 36 months. In the event that the cardholder recovers the lost or stolen card, he/she shall instantly return the same reduce in halves to the Bank with out utilizing it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the identical to any other celebration. BRAC Bank shall present Statement via e-mail until the Cardholder explicitly informs the Bank that s/he wants hardcopy assertion.
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“Schedule of Charges” means the list of charges relevant for the providers offered on the Card. These costs are topic to changes at the sole discretion of BRAC Bank Limited. However, such adjustments in expenses may be made only with prospective impact giving prior notice of 30 days to the Cardholder. “Electronic Banking Terminal” means any approved terminal or system by which Card and/or PIN can be utilized. This contains ATM, Point of Sale terminal or e-Commerce via which Card transactions can be carried out or some other authorized terminal or device linked to BRAC Bank digital banking system from time to time.
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Subject to the necessities of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such adjustments shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints shall be resolved as per the coverage of respective payment community (Visa/ Mastercard) and the decision of the cost community shall be thought of as last. The Bank can’t be held answerable for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to inform BRAC Bank inside one hundred twenty days of purchasing the product/service; the Bank will not be held liable to entertain the criticism. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and transfer the whole or any a part of its rights of obligations under this Agreement.
In case any supply date isn’t specified at the time of purchasing and the net merchant fails to ship the product/service; then notify BRAC Bank after 30 days however inside 120 days of the transaction date. The Bank shall not be responsible for non-delivery or delayed delivery of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For cost through Cash Deposit Machine , money deposits acquired inside the ‘envelope assortment time’ as indicated on the machine might be considered and processed on the identical banking day. Processing of cheque deposits will be subject to cheque clearing maintain.
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Use of the Card at any ATM of the Bank or another financial institution or institution with whom the Bank has an Agreement for the use of the ATM of the mentioned financial institution or establishment in which case advance will be further topic to the relevant daily withdrawal restrict of the ATM. BRAC Bank Limited reserves the absolute discretion and liberty to decline or honor the authorization requests on the Card without assigning any reason. In certain circumstances, topic to its sole discretion, BRAC Bank Limited may require the Cardholder to contact the Bank’s 24-hour Call Center to authenticate the transaction before approving it and charging it to the Card Account. “Terms and Conditions” means the phrases and situations set out herein and/or as could additionally be stipulated by BRAC Bank Limited from time to time, as amended. “Cash Advance” means any amount obtained by method of the Card, the Card number or the PIN or in any method approved by the Cardholder from the Bank or any other financial institution or financial institution for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the basis of software made by the Cardholder underneath the name of VISA, MasterCard or JCB and in addition includes Primary, Supplementary/Additional and Replacement/Re-issued Cards.
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If the present balance is lower than Minimum Amount Due then the present stability turns into absolutely due. However, if the Minimum Amount Due just isn’t paid by the payment due date or solely partly paid, the unpaid amount might be added to the subsequent assertion’s Minimum Amount Due. Such transactions will also be topic in to a financial institution Charge as the Bank could determine in its sole discretion every so often. The change price might differ from the speed on the transaction date as a result of market fluctuation. The BRAC Bank’s 24-Hour Call Center is on the market to all Cardholders.
The cardholder and/or his property will be responsible for repaying in full any excellent balances on the cardboard account and shall maintain the Bank indemnified for all costs and bills incurred in recovering such outstanding balances. All Cardholders might be billed on a monthly basis for all Charges incurred by way of Card and for all expenses relevant to the Card Account. BRAC Bank shall endeavor that no delay is caused in sending the Statement to the Cardholder. However, there could additionally be no assertion generated for the period in which there has been no outstanding due and no transaction on the Card Account in the previous month. The facility of a Supplementary Card, is a particular facility at such fee/rate as could additionally be stipulated by BRAC Bank from time to time. All entries within the Statement of Account shall be presumed appropriate except the Cardholder disputes such entries inside 30 days from the Statement of Account and proves such entry to be incorrect.
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The Cardholder shall not record the PIN in any form so as to facilitate the PIN coming to the information of a third celebration. BRAC Bank is authorized by the Cardholder for finishing up transactions and directions authenticated by the PIN and shall not revoke the identical. If the Cardholder fails to look at the security necessities, s/he may incur liability for BRAC Bank. BRAC Bank could, in its absolute discretion, issue a new PIN on the present Card.
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The Bank shall have the right to verify the credit score standing of the applicant for the card/or examine standing of the Cardholder at any instances as and when the Bank deems fit regardless of him/her. The Bank will instantly adjust to disclosure of data to any authority beneath any law. The Priority Pass card just isn’t a fee card nor it’s a proof of creditworthiness and attempts to use it as such may constitute fraud. Fees and costs could apply on the usage of Priority Pass. If the cardholder misses to pay 4 consecutive EMI funds, the entire amount shall be again transformed into outstanding with common interest rate.
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Payments made by the cheques drawn on a location the place the Bank does not have a department shall be topic to a processing and handling charge as decided by the Bank every so often. “Late Payment Fee” means a cost relevant in case of the Cardholder’s failure to pay at least minimal quantity due throughout the Payment Due Date. “Insurance Company” means insurance coverage company as could additionally be determined by BRAC Bank Limited, from time to time.
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The Supplementary Cardholder must be of 18 years of age or over. The problem of the Supplementary Card shall be topic to such Terms and Conditions, which the Bank may deem essential. The payment by the Cardholder of any sum to the Bank in respect of any Statement of Account shall represent binding and conclusive proof of the acceptance by the Cardholder of the entries shown on that Statement of Account.
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