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The payment might be reflected throughout the similar day of instruction. The supplementary cardholder is sure by all Terms and Conditions besides that he or she just isn’t answerable for cost in respect of any transactions on the cardboard account. The major cardholder shall be accountable to the Bank for all transactions on the supplementary card. The use of the Card by the cardholder to obtain a Cash Advance shall be deemed to represent the Agreement of the Cardholder to pay a cash advance fee and finance charge as determined by the Bank from time to time on the amount of cash advance. Finance charge shall be levied on each Cash Advance from the date of the advance until compensation is made in full.

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Installment tenure might differ from 3 to 36 months. In the event that the cardholder recovers the misplaced or stolen card, he/she shall immediately return the same minimize 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 same to some other celebration. BRAC Bank shall present Statement through email except the Cardholder explicitly informs the Bank that s/he wants hardcopy assertion.

In the event of the stated bank account not having adequate funds on the Payment Due Date or next 2 consecutive days, the Cardholder shall be liable to pay all of the Charges relevant 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 right and complete. 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 cause in any way. The Cardholder additional agrees and undertakes to tell the Cardholder’s financial institution of the auto debit instructions issued in favor of BRAC Bank and not to close the said checking account with out the prior consent of BRAC Bank.

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A cheque deposit shall be acceptable for collection and the proceeds shall not be available until the cheque has been cleared and the proceeds paid to the Bank. Any money deposits may solely be thought to be having been obtained 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 fee as prescribed by the Bank for the card and an annual charge prescribed by the Bank for every Supplementary Card.

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The Bank reserves the proper to not allow international Transactions as much as full restrict assigned for SAARC international locations & Myanmar and Non-SAARC countries so that the Limits are not exceeded within the occasion of change rate fluctuations or any unauthorized transactions. The Card just isn’t transferrable and its usage is subject to the terms mentioned herein and any additional conditions stipulated by BRAC Bank Limited every so often. The Cardholder on no account in any way will permit the Card and/or PIN and/or CVC/CVV and/or OTP to be used by some other particular person. The Cardholder could not pledge the Card as Security for any function whatsoever. BRAC Bank Limited reserves the best to ascertain the credit score worthiness of the Applicant time to time by obtaining credit bureau report and such other stories as it could deem needed and decline to problem a Card to any Applicant at its sole discretion.

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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank name middle at and provides instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card bill. This course of would require PIN verification. The Cardholder may select not to settle the present stability in full, during which case the cardholder should pay at least ‘Minimum Amount Due’ as decided by the Bank from time to time on or before the fee due date.

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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 from time to time. “Cardholder” means a person whose name is in a Card Account and who’s answerable for all transactions and liabilities on the Card Account. It contains Primary and any Supplementary Cards. “Authorized Dealer” means an authorized dealer as outlined in the Foreign Exchange Regulations Act 1947 as amended every so often.

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

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The Cardholder shall not document the PIN in any kind in order to facilitate the PIN coming to the information of a third celebration. BRAC Bank is allowed by the Cardholder for carrying out transactions and directions authenticated by the PIN and shall not revoke the same. If the Cardholder fails to watch the safety necessities, s/he may incur legal responsibility for BRAC Bank. BRAC Bank might, in its absolute discretion, problem a brand new PIN on the existing Card.

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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 shall be resolved as per the coverage of respective cost community (Visa/ Mastercard) and the decision of the fee network will 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 declare. If you fail to inform BRAC Bank inside 120 days of purchasing the product/service; the Bank will not be held liable to entertain the grievance. The Bank shall be entitled at any time without the consent of the Cardholder to assign and transfer the whole or any a part of its rights of obligations underneath this Agreement.

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