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Installment tenure may range from three to 36 months. In the occasion that the cardholder recovers the lost or stolen card, he/she shall immediately return the identical minimize 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 identical to another party. BRAC Bank shall present Statement via e-mail except the Cardholder explicitly informs the Bank that s/he wants hardcopy statement.
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If the present balance is lower than Minimum Amount Due then the present steadiness becomes absolutely due. However, if the Minimum Amount Due is not paid by the cost due date or solely partly paid, the unpaid quantity might be added to the following assertion’s Minimum Amount Due. Such transactions will also be topic in to a bank Charge as the Bank could decide in its sole discretion from time to time. The change rate might differ from the speed 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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Should the Cardholder be away from Bangladesh greater than a month, the Card Account must be settled 7 days prior to his/her departure. The Cardholder should promptly notify the Bank in writing of any change in employment or enterprise 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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All transactions approved by the supplementary cardholder previous to the date the supplementary card is received by the Bank, are legitimate and treated as binding upon the first 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 match by the Bank. If the Cardholder does not obtain the Statement of Account for the actual Statement Period, s/he should notify the Bank within 7 days of the statement 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 enough for non-payment of dues in time. The Bank cannot be held answerable for non-receipt of assertion due to unexpected circumstances and circumstances outdoors the Bank’s control.
In case any delivery date just isn’t specified at the time of buying and the net merchant fails to ship the product/service; then notify BRAC Bank after 30 days but within a hundred and twenty days of the transaction date. The Bank shall not be answerable for non-delivery or delayed supply of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For fee through Cash Deposit Machine , money deposits received throughout the ‘envelope assortment time’ as indicated on the machine might be thought of and processed on the same banking day. Processing of cheque deposits shall be topic to cheque clearing hold.
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If the disputed Card Transaction seems to be genuine, 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 created from the date on which the funds are literally received by the Bank in the ordinary course of enterprise and not from the posting date on the Statement. At least 3-4 days must be allowed for the fee to be credited to the Card Account. If the Cardholder pays an amount less than the present stability of a particular month’s invoice assertion by the fee due date, curiosity will be accrued on the balance remaining after the Payment Due Date and might be posted within the next assertion.
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Once a Balance Transfer has been made, the customer has to proceed the steadiness transfer quantity for no less than 6 months with BRAC Bank i.e., the shopper cannot transfer the balance to some other bank inside the specified time period. Cardholder can settle partial or full outstanding of different financial institution’s credit card via Balance Transfer. The Bank shall not be liable to refund the annual fee or any part thereof in case of the termination of the cardboard account.
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