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A alternative cost as prescribed by the Bank is payable by the Cardholder to the Bank instantly upon a request to the Bank to problem a Replacement Card. Additional costs as prescribed by the Bank are payable by the Cardholder to the Bank instantly upon the request to the Bank for the supply of copies of gross sales voucher/Cash Advance Slip and any additional companies the Bank could provide every so often. If the Cardholder fails to pay the Minimum Amount Due by the fee due date, a flat late cost cost charge as prevailing once in a while might be levied. These transactions might embody room, meals or beverage expenses, taxes, gas, insurance, rental charges, harm to rental automobiles, parking tickets and other visitors violations, and goods and companies purchased aboard a Cruise Line vessel. “ATM” means an automated teller machine or any card operated machine or device whether or not belonging to the Bank or other taking part banks or financial establishments nominated from time to time by the Bank, which accepts Card. As a new player, you’ll have to add some funds to your account to maintain enjoying and garnering large wins.

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Use of the Card at any ATM of the Bank or any other bank or establishment with whom the Bank has an Agreement for using the ATM of the stated financial institution or institution during which case advance shall be additional topic to the relevant every day withdrawal restrict of the ATM. BRAC Bank Limited reserves absolutely the discretion and liberty to say no or honor the authorization requests on the Card with out assigning any reason. In sure cases, subject to its sole discretion, BRAC Bank Limited might 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 phrases and circumstances set out herein and/or as could additionally be stipulated by BRAC Bank Limited once in a while, as amended. “Cash Advance” means any quantity obtained by method of the Card, the Card quantity or the PIN or in any method approved by the Cardholder from the Bank or another bank or financial establishment for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the basis of utility made by the Cardholder beneath the name of VISA, MasterCard or JCB and likewise consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards.

Cash-limit types a subset of the Cardholder’s Credit Limit/Purchase Limit. “Card Account” means the account opened in the name of the Cardholder and maintained by BRAC Bank Limited for the purpose of usage of the Credit Card as per the phrases and conditions contained herein. BRAC Bank Credit Card Terms and Conditions 1. Definitions & Interpretation “Applicant” means one that has/have applied for a Card to BRAC Bank Limited. Still have you a question then feel free to ask by comment.

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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 prices and expenses in such regard may be debited to the Card Account and shall be payable by the Cardholder.

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If the agreed delivery date of the online buy is past one hundred twenty days; BRAC Bank will not be held liable to entertain any criticism regarding non-delivery of that product/service. When presenting the Priority Pass card on getting into the lounge, lounge employees will take an imprint of the cardboard and issue a ‘Record of Visit’ voucher to the cardholder or make a log entry. Some lounges have digital card readers, which can take the cardholder’s element off the magnetic strip on the reverse aspect of the Priority Pass card. Where applicable, the cardholder should signal the ‘Record of Visit’ voucher, which may even reflect the exact variety of accompanying friends, if any, but doesn’t present any per individual per visit cost. In the event of any quantity charged towards Priority Pass Lounge visits, which is due and payable by the customer, the client shall be liable to make the payment to the Bank regardless of whether the cardboard has been closed for any reason in any respect.

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The Cardholder shall always ensure that the Card is saved in a secure place and can train every potential care to prevent the Card from being misplaced or stolen. “Security” means the lien of any account/Fixed Deposit/Financial Instrument against which the cardboard 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 total debit stability which shall be debited to the Card Account outstanding on the Card Account payable to the Bank according to the Bank’s information on the date the Statement of Account is issued. “Cash-Limit” means the utmost amount of money or equal of cash as defined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.

In case any supply date is not specified on the time of purchasing and the online service provider fails to deliver the product/service; then notify BRAC Bank after 30 days but within one hundred twenty days of the transaction date. The Bank shall not be liable for non-delivery or delayed supply of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For fee via Cash Deposit Machine , cash deposits acquired throughout the ‘envelope collection time’ as indicated on the machine will be thought-about and processed on the identical banking day. Processing of cheque deposits shall be topic to cheque clearing hold.

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If the present stability is less than Minimum Amount Due then the present steadiness turns into absolutely due. However, if the Minimum Amount Due just isn’t paid by the payment due date or only partly paid, the unpaid quantity will be added to the next statement’s Minimum Amount Due. Such transactions will also be subject in to a financial institution Charge because the Bank may determine in its sole discretion from time to time. The exchange rate might differ from the rate on the transaction date as a outcome of market fluctuation. The BRAC Bank’s 24-Hour Call Center is out there to all Cardholders.

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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number shall be issued to him/her. In the event the same is not received in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN provides access to the Card Account and the Cardholder accepts the only responsibility for use, confidentiality and protection of the PIN, in addition to for all orders and information adjustments entered into the Card Account utilizing such PIN.

Maximum 95% of the endorsed Travel Quota limit may be utilized by the cardholder for international transactions and the remaining 5% shall be reserved for any kind of attainable TQ breach. Use of the cardboard outdoors Bangladesh without correct endorsement will make the cardholder liable for instant cancellation and any other acceptable action in accordance with the law. The cardholder may also be liable to clear all the excellent with out prejudice to any right, treatment or motion in opposition to him/her, by the Bangladesh Bank, the financial institution or any regulatory agency. Gambling management fee you should have used that method for deposits before, there are some exceptions that will be further defined.

The Priority Pass card is just valid up to its date of expiry and will not be used by any particular person other than the cardholder. Processing fee on the transferred quantity might apply as per latest Schedule of Charges. Maximum 95% of the out there credit score restrict may be availed for Balance Transfer. The Bank shall terminate the utilization of the cardboard without discover upon the death, bankruptcy or insolvency of the cardholder or when the whereabouts of the cardholder turn out to be unknown to the Bank as a end result of any cause attributable to the Bank. For cheque payment via Drop Box located at varied BRAC Bank branches, fee to be mirrored on the next working day. The Bank will credit score the Cardholder’s Card account with the amount of any refund only upon receipt of a correctly issued credit voucher from the service provider establishment.

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Installment tenure could vary from three to 36 months. In the event that the cardholder recovers the misplaced or stolen card, he/she shall immediately return the identical cut in halves to the Bank with out using it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the same to another celebration. BRAC Bank shall provide Statement through email unless the Cardholder explicitly informs the Bank that s/he needs hardcopy assertion.

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From time to time, Bank could monitor and/or document phone calls between the Cardholder and Bank to assure the quality of its customer support or as required by relevant regulation. 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 need his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation should be sent to the Bank two months upfront. Intimation sent earlier than two months or lower than 30 days before the expiry cannot be accepted. The Bank may provide information about the Cardholder and the conduct of his/her accounts to any further cardholder or to another person/body to whom the Bank transfers its rights and obligations under this settlement.

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