Brac Financial Institution Credit Card Terms And Conditions
In the occasion of the said checking account not having enough funds on the Payment Due Date or next 2 consecutive days, the Cardholder shall be liable to pay all the Charges applicable along with the Card dues. The Cardholder agrees and confirms that each one the particulars submitted to BRAC Bank by the Cardholder for availing of the auto debit facility shall be appropriate and full. BRAC Bank shall not be liable if the auto debit transaction is delayed or not effected in any respect for reasons of incomplete or incorrect information or for any cause in any way. The Cardholder additional agrees and undertakes to inform the Cardholder’s bank of the auto debit directions issued in favor of BRAC Bank and to not shut the said bank account with out the prior consent of BRAC Bank.
All transactions approved by the supplementary cardholder prior to the date the supplementary card is acquired by the Bank, are legitimate and handled as binding upon the primary cardholder and are the legal responsibility of the first cardholder. The Bank shall deliver a Statement of Account to the Cardholder each month or at such other regular intervals as deemed fit by the Bank. If the Cardholder does not receive the Statement of Account for the particular Statement Period, s/he ought to notify the Bank inside 7 days of the statement date and request a copy of the Statement of Account for the Particular Statement period. Non-receipt of Statement of Account shall not be construed by the Cardholder to be enough for non-payment of dues in time. The Bank cannot be held answerable for non-receipt of assertion due to unforeseen circumstances and circumstances outdoors the Bank’s control.
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Once a Balance Transfer has been made, the customer has to continue the stability switch amount for no much less than 6 months with BRAC Bank i.e., the shopper can not switch the stability to any other bank throughout the specified time frame. Cardholder can settle partial or full outstanding of other financial institution’s credit card via Balance Transfer. The Bank shall not be liable to refund the annual payment or any half thereof in case of the termination of the cardboard account.
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Installment tenure may differ from 3 to 36 months. In the occasion that the cardholder recovers the lost or stolen card, he/she shall instantly return the same cut in halves to the Bank without utilizing it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the identical to some other get together. BRAC Bank shall present Statement by way of e-mail unless the Cardholder explicitly informs the Bank that s/he wants hardcopy assertion.
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The cardholder and/or his estate will be answerable for repaying in full any excellent balances on the card account and shall maintain the Bank indemnified for all prices and expenses incurred in recovering such excellent balances. All Cardholders shall be billed on a month-to-month basis for all Charges incurred by the use of Card and for all expenses relevant to the Card Account. BRAC Bank shall endeavor that no delay is brought on in sending the Statement to the Cardholder. However, there could additionally be no statement generated for the interval in which there was no excellent due and no transaction on the Card Account within the previous month. The facility of a Supplementary Card, is a special facility at such fee/rate as may be stipulated by BRAC Bank every so often. All entries within the Statement of Account shall be presumed correct until the Cardholder disputes such entries within 30 days from the Statement of Account and proves such entry to be incorrect.
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From time to time, Bank may monitor and/or report phone calls between the Cardholder and Bank to assure the standard of its customer service or as required by applicable regulation. All cards, which don’t have any payments pending for over a month or extra, will be renewed mechanically. In case the Cardholder doesn’t want his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation should be despatched to the Bank two months upfront. Intimation despatched sooner than two months or less than 30 days earlier than the expiry can’t be accepted. The Bank may also present details about the Cardholder and the conduct of his/her accounts to any additional cardholder or to any other person/body to whom the Bank transfers its rights and obligations under this settlement.
In order to ensure monetary security of BRAC Bank cardholders, the bank reserves the proper to restrict card transactions at any specific service provider on quick basis. The restriction is at the sole discretion of BRAC Bank Limited. Periodic review of the restricted retailers is a recurring activity of the bank. Based on the outcomes of such evaluate, the record of allowable/restricted merchants might change.
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A substitute charge as prescribed by the Bank is payable by the Cardholder to the Bank immediately upon a request to the Bank to issue a Replacement Card. Additional charges as prescribed by the Bank are payable by the Cardholder to the Bank instantly upon the request to the Bank for the provision of copies of sales voucher/Cash Advance Slip and any further providers the Bank might present from time to time. If the Cardholder fails to pay the Minimum Amount Due by the fee due date, a flat late payment cost fee as prevailing every so often shall be levied. These transactions could include room, meals or beverage costs, taxes, gasoline, insurance, rental charges, harm to rental vehicles, parking tickets and different site visitors violations, and goods and companies bought aboard a Cruise Line vessel. “ATM” means an automatic teller machine or any card operated machine or gadget whether or not belonging to the Bank or other collaborating banks or financial establishments nominated from time to time by the Bank, which accepts Card. As a model new player, you’ll have to add some funds to your account to keep taking part in and garnering huge wins.
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The cardholder shall instantly after such recall; return such card cut in halves with CHIP destroyed to the Bank and make full payment of all charges and liabilities to the Bank. The Bank might at any time demand that the Cardholder deposits an undated cheque and/or pledge cash collateral in favor of the Bank for the quantity, which the Bank might require even when such a cheque was not demanded when the card was issued to the Cardholder. The Cardholder, in such an occasion, shall be deemed to have licensed the Bank to insert the date on the stated cheque and to present it for payment on the inserted date against any quantity as a result of Bank.
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“Credit Limit / Purchase Limit” means the utmost debit stability permitted by the Bank for the Card Account for the Primary and the Supplementary Card, if any and notified to the Primary Cardholder from time to time. “Cardholder” means an individual whose name is in a Card Account and who’s liable for all transactions and liabilities on the Card Account. It includes Primary and any Supplementary Cards. “Authorized Dealer” means an authorized vendor as outlined in the Foreign Exchange Regulations Act 1947 as amended every so often.
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Subject to the necessities of statute, notification of any such change shall be given to the Cardholder by the Bank both in writing or by publication thereof. Such changes shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints will be resolved as per the coverage of respective payment network (Visa/ Mastercard) and the choice of the cost community will be thought of as final. The Bank cannot be held liable for setting claims emanating from this scheme or for the approval or rejection of any declare. If you fail to inform BRAC Bank inside a hundred and twenty days of buying the product/service; the Bank won’t be held liable to entertain the grievance. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and transfer the whole or any a half of its rights of obligations beneath this Agreement.
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If the disputed Card Transaction seems to be genuine, the Cardholder shall pay the quantity set out in the related Card Transaction along with any fees incurred by the Bank in the investigation of such disputed Card Transaction. Payments might be treated as produced from the date on which the payments are actually obtained by the Bank in the odd course of business and not from the posting date on the Statement. At least 3-4 days must be allowed for the cost to be credited to the Card Account. If the Cardholder pays an quantity less than the present balance of a particular month’s invoice statement by the cost due date, interest might be accrued on the balance remaining after the Payment Due Date and shall be posted within the next statement.
The Supplementary Cardholder should 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 evidence of the acceptance by the Cardholder of the entries proven on that Statement of Account.
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