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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number will be issued to him/her. In the occasion the identical is not obtained in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN supplies entry to the Card Account and the Cardholder accepts the solely real duty for use, confidentiality and protection of the PIN, in addition to for all orders and data modifications entered into the Card Account using such PIN.
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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 costs as prescribed by the Bank are payable by the Cardholder to the Bank immediately upon the request to the Bank for the supply of copies of gross sales voucher/Cash Advance Slip and any further services the Bank might provide once in a while. If the Cardholder fails to pay the Minimum Amount Due by the cost due date, a flat late cost charge payment as prevailing once in a while will be levied. These transactions might embody room, food or beverage costs, taxes, gas, insurance coverage, rental fees, damage to rental vehicles, parking tickets and other site visitors violations, and items and services purchased aboard a Cruise Line vessel. “ATM” means an automated teller machine or any card operated machine or device whether belonging to the Bank or different participating banks or monetary establishments nominated from time to time by the Bank, which accepts Card. As a model new participant, you’ll must add some funds to your account to keep enjoying and garnering big wins.
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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank call middle at and provides instruction of debiting cardholder’s BRAC Bank current/savings account to pay bank card invoice. This course of will require PIN verification. The Cardholder may select to not settle the present steadiness in full, during which case the cardholder should pay a minimum of ‘Minimum Amount Due’ as decided by the Bank every so often on or before the fee due date.
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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 could solely be regarded as having been received 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 cardboard and an annual fee prescribed by the Bank for every Supplementary Card.
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If the present steadiness is lower than Minimum Amount Due then the current balance becomes totally due. However, if the Minimum Amount Due just isn’t paid by the payment due date or solely partly paid, the unpaid amount shall be added to the following statement’s Minimum Amount Due. Such transactions will also be topic in to a financial institution Charge as the Bank could determine in its sole discretion from time to time. The exchange price may differ from the rate on the transaction date due to market fluctuation. The BRAC Bank’s 24-Hour Call Center is out there to all Cardholders.
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“Schedule of Charges” means the listing of expenses applicable for the providers provided on the Card. These expenses are topic to adjustments at the sole discretion of BRAC Bank Limited. However, such changes in expenses could also be made only with prospective impact giving prior discover of 30 days to the Cardholder. “Electronic Banking Terminal” means any authorized terminal or system in which Card and/or PIN can be utilized. This includes ATM, Point of Sale terminal or e-Commerce through which Card transactions could be performed or any other licensed terminal or system linked to BRAC Bank digital banking system once in a while.
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All transactions approved by the supplementary cardholder prior to the date the supplementary card is received 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 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 actual Statement Period, s/he ought to notify the Bank inside 7 days of the assertion date and request a replica of the Statement of Account for the Particular Statement interval. 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 can’t be held responsible for non-receipt of statement because of unforeseen circumstances and circumstances outside the Bank’s control.
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The Bank reserves the proper not to allow international Transactions up to full limit assigned for SAARC nations & Myanmar and Non-SAARC nations in order that the Limits are not exceeded in the event of change price fluctuations or any unauthorized transactions. The Card isn’t transferrable and its utilization is subject to the phrases mentioned herein and any additional conditions stipulated by BRAC Bank Limited once in a while. The Cardholder by no means in any way will enable the Card and/or PIN and/or CVC/CVV and/or OTP to be used by another particular person. The Cardholder might not pledge the Card as Security for any purpose in any respect. BRAC Bank Limited reserves the proper to establish the credit worthiness of the Applicant time to time by obtaining credit bureau report and such different stories as it might deem necessary and decline to issue a Card to any Applicant at its sole discretion.
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