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If the disputed Card Transaction seems to be genuine, the Cardholder shall pay the amount set out in the related Card Transaction together with any fees incurred by the Bank in the investigation of such disputed Card Transaction. Payments shall be treated as produced from the date on which the funds are literally acquired by the Bank in the strange course of enterprise 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 lower than the present stability of a particular month’s invoice assertion by the fee due date, curiosity shall be accrued on the steadiness remaining after the Payment Due Date and shall be posted within the subsequent statement.
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Once a Balance Transfer has been made, the client has to proceed the steadiness transfer amount for at least 6 months with BRAC Bank i.e., the customer can not transfer the steadiness to some other financial institution inside the specified period of time. Cardholder can settle partial or full outstanding of different bank’s credit card by way of Balance Transfer. The Bank shall not be liable to refund the annual fee or any part thereof in case of the termination of the card account.
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“Schedule of Charges” means the record of costs relevant for the companies provided on the Card. These charges are subject to modifications at the sole discretion of BRAC Bank Limited. However, such modifications in charges may be made solely with potential impact giving prior discover of 30 days to the Cardholder. “Electronic Banking Terminal” means any licensed terminal or device in which Card and/or PIN can be used. This contains ATM, Point of Sale terminal or e-Commerce through which Card transactions can be performed or any other licensed terminal or system linked to BRAC Bank electronic banking system once in a while.
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E. Charges in Foreign Currency In respect of Cards apart from internationally valid Cards, BRAC Bank won’t be certain to take cognizance of, and received’t be liable in any manner in any respect in respect of any expenses that are incurred in international currency. Without prejudice to the aforesaid, any fee of such Charges made by BRAC Bank will be with full recourse to the Cardholder, and gained’t be thought of as absolving the Cardholder of any legal responsibility in relation to incurring of such expenses or payments thereof by BRAC Bank. BRAC Bank shall be totally indemnified and held innocent in opposition to all penalties of such funds, by the Cardholder. A delayed or amended cost shall be processed to the Card Account inside 90 calendar days of the transaction date of the related transaction.
From time to time, Bank may monitor and/or report telephone calls between the Cardholder and Bank to guarantee the standard of its customer service or as required by relevant law. All playing cards, which don’t have any payments pending for over a month or more, 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 must be despatched to the Bank two months upfront. Intimation despatched sooner than two months or less than 30 days before the expiry can’t be accepted. The Bank may present information about the Cardholder and the conduct of his/her accounts to any additional cardholder or to another person/body to whom the Bank transfers its rights and obligations beneath this agreement.
Use of the Card at any ATM of the Bank or any other financial institution or institution with whom the Bank has an Agreement for using the ATM of the mentioned bank or institution in which case advance will be additional subject to the applicable daily withdrawal limit of the ATM. BRAC Bank Limited reserves absolutely the discretion and liberty to decline or honor the authorization requests on the Card without assigning any reason. In certain instances, topic to its sole discretion, BRAC Bank Limited could 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 terms and situations set out herein and/or as may be stipulated by BRAC Bank Limited every so often, as amended. “Cash Advance” means any amount obtained by means of the Card, the Card number or the PIN or in any method authorized by the Cardholder from the Bank or some other bank or financial establishment for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the idea of software made by the Cardholder underneath the name of VISA, MasterCard or JCB and also consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards.
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The Cardholder shall at all times ensure that the Card is stored in a safe place and can train every potential care to forestall the Card from being misplaced or stolen. “Security” means the lien of any account/Fixed Deposit/Financial Instrument towards which the card is issued . “Payment Due Date” means the date specified within the Statement of Account, by which date, cost of the Total Payment Due or the Current Balance or any half thereof or at least the Minimum Amount Due is to be made to the Bank. “Guarantee” means lien of any account/Fixed Deposit/financial instrument towards the issued Credit Card restrict. “Current Balance” means the whole debit steadiness which shall be debited to the Card Account excellent on the Card Account payable to the Bank based on the Bank’s records on the date the Statement of Account is issued. “Cash-Limit” means the maximum amount of cash or equal of money as outlined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.
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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank name center at and provides instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card bill. This process would require PIN verification. The Cardholder may select to not settle the current balance in full, in which case the cardholder should pay at least ‘Minimum Amount Due’ as determined by the Bank every so often on or earlier than the cost due date.
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A cheque deposit shall be acceptable for collection and the proceeds shall not be out there until the cheque has been cleared and the proceeds paid to the Bank. Any money deposits could solely be considered having been acquired by the Bank upon crediting the identical to the Card Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual charge as prescribed by the Bank for the card and an annual payment prescribed by the Bank for each Supplementary Card.
All statutory taxes, service tax, VAT, all different imposts, duties and taxes as could additionally be levied once in a while by the Government or different authority in respect of or in connection with the Card. The money advance charge and finance cost are non-refundable. The Bank at its sole discretion may reverse the partial or full quantity. “Minimum Amount Due” means the minimal amount specified by the Bank in assertion which if paid by the Payment Due Date will forestall any late cost charge.
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The fee shall be reflected within the identical day of instruction. The supplementary cardholder is sure by all Terms and Conditions except that she or he just isn’t responsible for fee in respect of any transactions on the cardboard account. The main cardholder will be responsible to the Bank for all transactions on the supplementary card. The use of the Card by the cardholder to acquire a Cash Advance shall be deemed to represent the Agreement of the Cardholder to pay a money advance fee and finance charge as decided by the Bank once in a while on the amount of cash advance. Finance cost shall be levied on each Cash Advance from the date of the advance until reimbursement is made in full.
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If the current stability is less than Minimum Amount Due then the present balance turns into absolutely due. However, if the Minimum Amount Due is not paid by the payment due date or only partly paid, the unpaid amount will be added to the following statement’s Minimum Amount Due. Such transactions may also be topic in to a bank Charge because the Bank may decide in its sole discretion every so often. The change price may differ from the speed on the transaction date because of market fluctuation. The BRAC Bank’s 24-Hour Call Center is available to all Cardholders.
In case any supply date just isn’t specified on the time of buying and the web service provider fails to ship the product/service; then notify BRAC Bank after 30 days but within 120 days of the transaction date. The Bank shall not be answerable for non-delivery or delayed supply of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For cost by way of Cash Deposit Machine , cash deposits acquired throughout the ‘envelope collection time’ as indicated on the machine might be thought-about and processed on the same banking day. Processing of cheque deposits will be subject to cheque clearing maintain.
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