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The cardholder and/or his property shall be responsible for repaying in full any outstanding balances on the cardboard account and shall maintain the Bank indemnified for all prices and expenses incurred in recovering such outstanding balances. All Cardholders shall be billed on a monthly foundation for all Charges incurred by the use of Card and for all charges applicable to the Card Account. BRAC Bank shall endeavor that no delay is brought on in sending the Statement to the Cardholder. However, there may be no assertion generated for the interval in which there has been no outstanding due and no transaction on the Card Account in the preceding month. The facility of a Supplementary Card, is a particular facility at such fee/rate as could also be stipulated by BRAC Bank once in a while. All entries within the Statement of Account shall be presumed appropriate except the Cardholder disputes such entries inside 30 days from the Statement of Account and proves such entry to be incorrect.

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If the present balance is less than Minimum Amount Due then the current stability becomes totally due. However, if the Minimum Amount Due is not paid by the cost due date or only partly paid, the unpaid amount will be added to the subsequent statement’s Minimum Amount Due. Such transactions may even be topic in to a bank Charge as the Bank may determine in its sole discretion every so often. The trade price might differ from the speed on the transaction date due to market fluctuation. The BRAC Bank’s 24-Hour Call Center is available to all Cardholders.

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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 fees incurred by the Bank in the investigation of such disputed Card Transaction. Payments shall be handled as produced from the date on which the payments are actually obtained by the Bank within the ordinary course of business and never from the posting date on the Statement. At least 3-4 days must be allowed for the cost to be credited to the Card Account. If the Cardholder pays an amount lower than the present stability of a particular month’s bill assertion by the payment due date, curiosity will be accrued on the balance remaining after the Payment Due Date and shall be posted in the subsequent assertion.

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Payments made by the cheques drawn on a location where the Bank does not have a branch will be subject to a processing and handling payment as decided by the Bank every so often. “Late Payment Fee” means a cost applicable in case of the Cardholder’s failure to pay a minimal of minimum quantity due throughout the Payment Due Date. “Insurance Company” means insurance firm as may be decided by BRAC Bank Limited, every so often.

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The payment via bKash may require most three working days to be settled. The main cardholder could 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 suitable legal action, the Bank may 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 vary the speed of technique of calculation of the annual charges, finance costs, the required Minimum Amount Due and/or late payment costs or any other charges. A Merchant could course of delayed or amended expenses if the Cardholder has consented to be answerable for delayed or amended expenses for a Hotel, Car Rental Company, or Cruise Line Transaction or any other transactions. C. BRAC Bank’s record of the quantity of any Charge, specified herein above, shall, within the absence of manifest error, be last and binding on the Cardholder, and shall be conclusive in any case where BRAC Bank has effected any payment pursuant to a Voluntary Charge.

The Bank reserves the best to retain the application varieties and documents provided therewith, together with images, and gained’t return the identical. Lost, stolen or broken Priority Pass cards are to be reported instantly to BRAC Bank. The Credit Limit assigned to the Primary Cardholder is inclusive of the Credit Limit of the Supplementary Cardholder and the Primary Cardholder and the Supplementary Cardholder can not make transactions via their respective Cards beyond the said Credit Limit. The Bank might at its absolute discretion problem a Supplementary Card to a person nominated by the Cardholder and accredited by the Bank.

Installment tenure might range from 3 to 36 months. In the event that the cardholder recovers the lost or stolen card, he/she shall instantly return the same cut in halves to the Bank without using it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the identical to another get together. BRAC Bank shall present Statement through email except the Cardholder explicitly informs the Bank that s/he needs hardcopy assertion.

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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 modifications shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints might be resolved as per the policy of respective fee community (Visa/ Mastercard) and the choice of the payment network shall be considered 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 inform BRAC Bank inside one hundred twenty days of purchasing the product/service; the Bank will not be held liable to entertain the criticism. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and switch the entire or any part of its rights of obligations beneath this Agreement.


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