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From time to time, Bank might monitor and/or record telephone calls between the Cardholder and Bank to assure the quality of its customer service or as required by relevant regulation. All playing cards, which don’t have any funds pending for over a month or more, will be renewed routinely. In case the Cardholder doesn’t want his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation ought to be sent to the Bank two months in advance. Intimation sent sooner than two months or lower than 30 days earlier than the expiry can’t be accepted. The Bank may also present 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 underneath this settlement.
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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank call center at and provides instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card invoice. This process would require PIN verification. The Cardholder might select not to settle the present steadiness in full, during which case the cardholder must pay at least ‘Minimum Amount Due’ as determined by the Bank once in a while on or earlier than the fee due date.
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Subject to the requirements 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 will be resolved as per the coverage of respective payment network (Visa/ Mastercard) and the choice of the payment network will be thought-about as final. The Bank can’t be held liable for setting claims emanating from this scheme or for the approval or rejection of any declare. If you fail to notify BRAC Bank within one hundred twenty days of buying the product/service; the Bank is not going to be held liable to entertain the complaint. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and switch the entire or any a half of its rights of obligations beneath this Agreement.
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If the disputed Card Transaction seems to be genuine, the Cardholder shall pay the amount set out in the related Card Transaction along with any charges incurred by the Bank within the investigation of such disputed Card Transaction. Payments shall be handled as made from the date on which the payments are literally received by the Bank within the strange course of business and never 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 quantity lower than the present steadiness of a specific month’s bill statement by the cost due date, interest will be accrued on the stability remaining after the Payment Due Date and shall be posted within the next assertion.
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The fee might be reflected within the similar day of instruction. The supplementary cardholder is sure by all Terms and Conditions besides that she or he is not responsible for fee in respect of any transactions on the cardboard account. The major cardholder might be accountable to the Bank for all transactions on the supplementary card. The use of the Card by the cardholder to acquire a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a money advance fee and finance charge as decided by the Bank once in a while on the quantity of cash advance. Finance cost shall be levied on each Cash Advance from the date of the advance until compensation is made in full.
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If the current steadiness is less than Minimum Amount Due then the present steadiness becomes fully due. However, if the Minimum Amount Due just isn’t paid by the fee due date or only partly paid, the unpaid amount shall be added to the next assertion’s Minimum Amount Due. Such transactions may even be topic in to a financial institution Charge as the Bank may decide in its sole discretion once in a while. The trade price might differ from the rate on the transaction date because of market fluctuation. The BRAC Bank’s 24-Hour Call Center is out there to all Cardholders.
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In order to make sure financial security of BRAC Bank cardholders, the bank reserves the proper to restrict card transactions at any specific merchant on instant basis. The restriction is on the sole discretion of BRAC Bank Limited. Periodic evaluation of the restricted merchants is a recurring activity of the bank. Based on the results of such review, the record of allowable/restricted merchants may change.
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