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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number might be issued to him/her. In the occasion the identical is not acquired in a sealed envelope, the Cardholder shall contact a BRAC Bank department or the BRAC Bank 24-Hour Call Center. The PIN provides entry to the Card Account and the Cardholder accepts the solely real responsibility to be used, confidentiality and protection of the PIN, in addition to for all orders and data adjustments entered into the Card Account using such PIN.

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The cardholder and/or his property shall be responsible for repaying in full any outstanding balances on the cardboard account and shall maintain the Bank indemnified for all prices and expenses incurred in recovering such excellent balances. All Cardholders might be billed on a monthly basis for all Charges incurred by means of Card and for all expenses relevant to the Card Account. BRAC Bank shall endeavor that no delay is triggered in sending the Statement to the Cardholder. However, there may be no statement generated for the period in which there was 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 may be stipulated by BRAC Bank from time to time. All entries within the Statement of Account shall be presumed correct until the Cardholder disputes such entries inside 30 days from the Statement of Account and proves such entry to be incorrect.

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Maximum 95% of the endorsed Travel Quota restrict can be utilized by the cardholder for international transactions and the remaining 5% shall be reserved for any kind of potential TQ breach. Use of the card outside Bangladesh without proper endorsement will make the cardholder responsible for instant cancellation and another appropriate action in accordance with the law. The cardholder may also be liable to clear all the outstanding with out prejudice to any right, remedy or motion against him/her, by the Bangladesh Bank, the bank or any regulatory agency. Gambling management fee you must have used that technique for deposits before, there are some exceptions that might be additional explained.

In reference to the particular discounts/offers made by the respective Merchants, the Bank is not going to be held accountable the place any of the Merchants withdraws, cancels, alters, or amends these products/services. In addition, the Bank reserves the right to vary the advantages obtainable to Cardholders at any time without prior discover. In connection with the special discounts/offers made by the respective Merchants, the Bank doesn’t maintain out any warranty or make any representation of the delivery, quality, design, specs or otherwise set out in respect of those presents. Also, these products/services are subject to availability and might be allotted on a first come, first server basis.

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Subject to the requirements of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such modifications shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints might be resolved as per the coverage of respective payment community (Visa/ Mastercard) and the decision of the fee community will be thought of as final. The Bank can’t be held responsible for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to notify BRAC Bank within one hundred twenty days of buying the product/service; the Bank will not be held liable to entertain the criticism. The Bank shall be entitled at any time without the consent of the Cardholder to assign and transfer the entire or any part of its rights of obligations under this Agreement.

From time to time, Bank could monitor and/or report phone calls between the Cardholder and Bank to guarantee the quality of its customer service or as required by relevant legislation. All playing cards, which wouldn’t have any payments pending for over a month or more, shall be renewed routinely. In case the Cardholder doesn’t need his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation ought to be despatched to the Bank two months upfront. Intimation sent earlier than two months or lower 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 under this agreement.

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Such directions cannot be withdrawn /cancelled except with the written consent of BRAC Bank. Both Local and International (up to $300) e-commerce transaction will routinely be enabled for the credit cardholders. Cardholder can disable the e-commerce transaction anytime by calling BRAC Bank Call Centre.

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“Credit Limit / Purchase Limit” means the maximum debit steadiness permitted by the Bank for the Card Account for the Primary and the Supplementary Card, if any and notified to the Primary Cardholder once in a while. “Cardholder” means a person whose name is in a Card Account and who is liable for all transactions and liabilities on the Card Account. It consists of Primary and any Supplementary Cards. “Authorized Dealer” means a certified dealer as defined within the Foreign Exchange Regulations Act 1947 as amended once in a while.

The Bank displays the risk of using the Card in the High Risk Countries. The Bank will try and call the Cardholders to inform them concerning the probable fraud danger that would emanate from such Card usage at High Risk Countries and shall search consent from the Cardholder to block the Card from further utilization. In such circumstances, the Bank shall be entitled to quickly droop the utilization of the cardboard till additional notice to the cardholder. The Bank will by no means be responsible for any transaction on the card before receiving proper notification of the said loss, theft or disclosure from the cardholder. Credit card bill can be paid by way of bKash app.

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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 could deem essential. The fee 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 proven on that Statement of Account.

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Should the Cardholder be away from Bangladesh greater than a month, the Card Account must be settled 7 days previous to his/her departure. The Cardholder should promptly notify the Bank in writing of any change in employment or business or handle (office and/or residence) or if Cardholder intends to be away from Bangladesh for more than 30 days. All prices and bills in such regard may be debited to the Card Account and shall be payable by the Cardholder.

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In the occasion of the said checking account not having enough funds on the Payment Due Date or subsequent 2 consecutive days, the Cardholder shall be liable to pay all the Charges relevant in addition to 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 right and full. BRAC Bank shall not be liable if the auto debit transaction is delayed or not effected at all for causes of incomplete or incorrect data or for any purpose in any way. The Cardholder further agrees and undertakes to tell the Cardholder’s bank of the auto debit instructions issued in favor of BRAC Bank and to not close the stated bank account with out the prior consent of BRAC Bank.

The Cardholder shall always make positive that the Card is kept in a protected place and can exercise each possible care to forestall the Card from being misplaced or stolen. “Security” means the lien of any account/Fixed Deposit/Financial Instrument in opposition to which the cardboard is issued . “Payment Due Date” means the date specified within the Statement of Account, by which date, payment of the Total Payment Due or the Current Balance or any part thereof or a minimum of the Minimum Amount Due is to be made to the Bank. “Guarantee” means lien of any account/Fixed Deposit/financial instrument in opposition to the issued Credit Card limit. “Current Balance” means the total debit stability which shall be debited to the Card Account excellent on the Card Account payable to the Bank based on the Bank’s information on the date the Statement of Account is issued. “Cash-Limit” means the maximum amount of money or equivalent of money as outlined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.

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In order to ensure monetary security of BRAC Bank cardholders, the financial institution reserves the best to limit card transactions at any specific service provider on immediate basis. The restriction is on the sole discretion of BRAC Bank Limited. Periodic review of the restricted merchants is a recurring activity of the financial institution. Based on the results of such review, the listing of allowable/restricted retailers may change.

A cheque deposit shall be acceptable for assortment and the proceeds shall not be out there till the cheque has been cleared and the proceeds paid to the Bank. Any cash deposits might solely be thought to be having been obtained by the Bank upon crediting the same 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.

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All transactions authorized by the supplementary cardholder prior to the date the supplementary card is obtained by the Bank, are valid and handled as binding upon the primary cardholder and are the legal responsibility of the primary cardholder. The Bank shall ship a Statement of Account to the Cardholder each month or at such other regular intervals as deemed match by the Bank. If the Cardholder does not receive the Statement of Account for the actual Statement Period, s/he ought to notify the Bank within 7 days of the assertion date and request a duplicate 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 sufficient for non-payment of dues in time. The Bank cannot be held answerable for non-receipt of assertion because of unexpected circumstances and circumstances outdoors the Bank’s management.

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