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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 within the investigation of such disputed Card Transaction. Payments will be treated as made from the date on which the payments are actually obtained by the Bank in the ordinary course of business and not from the posting date on the Statement. At least 3-4 days should be allowed for the cost to be credited to the Card Account. If the Cardholder pays an amount lower than the current steadiness of a selected month’s bill statement by the cost due date, interest shall be accrued on the balance remaining after the Payment Due Date and shall be posted within the subsequent assertion.

Should the Cardholder be away from Bangladesh greater than a month, the Card Account should be settled 7 days prior to his/her departure. The Cardholder must promptly notify the Bank in writing of any change in employment or business or tackle (office and/or residence) or if Cardholder intends to be away from Bangladesh for more than 30 days. All costs and expenses 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 immediately after such recall; return such card minimize in halves with CHIP destroyed to the Bank and make full fee of all costs and liabilities to the Bank. The Bank may 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, might be deemed to have approved the Bank to insert the date on the mentioned cheque and to present it for payment on the inserted date against any amount as a result of Bank.

A replacement cost as prescribed by the Bank is payable by the Cardholder to the Bank immediately upon a request to the Bank to problem a Replacement Card. Additional expenses as prescribed by the Bank are payable by the Cardholder to the Bank immediately upon the request to the Bank for the provision of copies of gross sales voucher/Cash Advance Slip and any additional companies the Bank might provide from time to time. If the Cardholder fails to pay the Minimum Amount Due by the payment due date, a flat late payment cost payment as prevailing every so often will be levied. These transactions may embrace room, food or beverage expenses, taxes, gas, insurance coverage, rental charges, harm to rental vehicles, parking tickets and other traffic violations, and goods and providers purchased aboard a Cruise Line vessel. “ATM” means an automatic teller machine or any card operated machine or device whether belonging to the Bank or other collaborating banks or financial institutions nominated from time to time by the Bank, which accepts Card. As a brand new player, you’ll have to add some funds to your account to maintain enjoying and garnering big wins.

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E. Charges in Foreign Currency In respect of Cards aside from internationally valid Cards, BRAC Bank won’t be certain to take cognizance of, and will not be liable in any manner in any respect in respect of any costs that are incurred in overseas foreign money. Without prejudice to the aforesaid, any payment of such Charges made by BRAC Bank might be with full recourse to the Cardholder, and will not be thought-about as absolving the Cardholder of any liability in relation to incurring of such charges or payments thereof by BRAC Bank. BRAC Bank shall be absolutely indemnified and held harmless towards all penalties of such payments, by the Cardholder. A delayed or amended cost shall be processed to the Card Account within ninety calendar days of the transaction date of the associated transaction.

The payment through bKash might require most 3 working days to be settled. The main cardholder might withdraw the authority of the supplementary cardholder by sending a written intimation to the Bank accompanied by the supplementary card. Without prejudice to Bank’s rights at any time to take the appropriate legal action, the Bank could cost fees for any returned unpaid cheque drawn by the Cardholder in full or partial cost of the outstanding amount. The Bank shall be entitled at its sole discretion to differ the rate of method of calculation of the annual fees, finance charges, the required Minimum Amount Due and/or late cost charges or another expenses. A Merchant could course of delayed or amended charges if the Cardholder has consented to be liable for delayed or amended expenses for a Hotel, Car Rental Company, or Cruise Line Transaction or another transactions. C. BRAC Bank’s document of the quantity of any Charge, specified herein above, shall, within the absence of manifest error, be ultimate and binding on the Cardholder, and shall be conclusive in any case where BRAC Bank has effected any payment pursuant to a Voluntary Charge.

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The Cardholder shall not report the PIN in any kind in order to facilitate the PIN coming to the data of a third celebration. BRAC Bank is authorized by the Cardholder for finishing up transactions and instructions authenticated by the PIN and shall not revoke the identical. If the Cardholder fails to look at the security requirements, s/he may incur liability for BRAC Bank. BRAC Bank may, in its absolute discretion, issue a model new PIN on the present Card.

In case any delivery date just isn’t specified at the time of buying and the online merchant fails to ship the product/service; then notify BRAC Bank after 30 days but inside 120 days of the transaction date. The Bank shall not be liable for non-delivery or delayed delivery of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For fee through Cash Deposit Machine , money deposits acquired within the ‘envelope assortment time’ as indicated on the machine will be thought of and processed on the identical banking day. Processing of cheque deposits will be subject to cheque clearing hold.

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The cardholder should purchase Motorbikes with BRAC Bank Credit Card from any Motorbike Partner outlets and convert the transactions into Motorbike installment plan at 16% efficient interest rate per annum. The installment tenure may differ from 6 to 36 months. The cardholder can buy their desired products from BRAC Bank Flex partners’ shops with BRAC Bank Credit Card Flex facility. The minimal purchase quantity to avail Flex facility is TK. 3,000 and can pay again with simple installment at 0% annual rate of interest.

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Once a Balance Transfer has been made, the customer has to proceed the steadiness switch quantity for no much less than 6 months with BRAC Bank i.e., the customer can not switch the steadiness to some other bank within the specified time period. Cardholder can settle partial or full outstanding of other bank’s credit card by way of Balance Transfer. The Bank shall not be liable to refund the annual payment or any part thereof in case of the termination of the cardboard account.

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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 modifications 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 cost network (Visa/ Mastercard) and the choice of the cost network might be thought-about as ultimate. 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 within one hundred twenty days of buying the product/service; the Bank won’t be held liable to entertain the complaint. 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 beneath this Agreement.

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Payments made by the cheques drawn on a location where the Bank doesn’t have a department will be topic to a processing and dealing with fee as decided by the Bank once in a while. “Late Payment Fee” means a charge relevant in case of the Cardholder’s failure to pay no much less than minimal quantity due inside the Payment Due Date. “Insurance Company” means insurance coverage company as could also be determined by BRAC Bank Limited, every so often.

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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 treated as binding upon the primary cardholder and are the liability of the first cardholder. The Bank shall ship a Statement of Account to the Cardholder every month or at such different regular intervals as deemed fit by the Bank. If the Cardholder doesn’t receive the Statement of Account for the particular Statement Period, s/he should notify the Bank inside 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 adequate 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 management.

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