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If the current steadiness is lower than Minimum Amount Due then the current stability turns into fully due. However, if the Minimum Amount Due is not paid by the fee due date or only partly paid, the unpaid amount will be added to the following statement’s Minimum Amount Due. Such transactions will also be subject in to a bank Charge because the Bank may decide in its sole discretion once in a while. The exchange rate might differ from the speed on the transaction date because of market fluctuation. The BRAC Bank’s 24-Hour Call Center is on the market to all Cardholders.
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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank call middle at and give instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card bill. This course of will require PIN verification. The Cardholder could choose to not settle the current steadiness in full, by which case the cardholder must pay at least ‘Minimum Amount Due’ as decided by the Bank from time to time on or before the fee due date.
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Cash-limit forms 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 aim 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 person who has/have applied for a Card to BRAC Bank Limited. Still have you ever a question then feel free to ask by remark.
«Schedule of Charges» means the list of costs applicable for the services supplied on the Card. These expenses are subject to changes at the sole discretion of BRAC Bank Limited. However, such adjustments in charges could also be made solely with potential impact giving prior notice of 30 days to the Cardholder. «Electronic Banking Terminal» means any authorized terminal or gadget during which Card and/or PIN can be utilized. This includes ATM, Point of Sale terminal or e-Commerce through which Card transactions may be performed or any other approved terminal or system connected to BRAC Bank electronic banking system once in a while.
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The Cardholder shall not document the PIN in any type so as to facilitate the PIN coming to the knowledge of a third celebration. BRAC Bank is authorized by the Cardholder for carrying out transactions and instructions authenticated by the PIN and shall not revoke the same. If the Cardholder fails to watch the security necessities, s/he could incur liability for BRAC Bank. BRAC Bank might, in its absolute discretion, concern a model new PIN on the present Card.
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If the disputed Card Transaction seems to be real, the Cardholder shall pay the amount set out in the related Card Transaction together with any fees incurred by the Bank in the investigation of such disputed Card Transaction. Payments might be handled as produced from the date on which the funds are literally received by the Bank in the strange course of enterprise and never 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 quantity less than the present stability of a specific month’s bill assertion by the fee 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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All statutory taxes, service tax, VAT, all other imposts, duties and taxes as may be levied once in a while by the Government or other authority in respect of or in reference to the Card. The money advance charge and finance charge are non-refundable. The Bank at its sole discretion may reverse the partial or full amount. «Minimum Amount Due» means the minimal quantity specified by the Bank in statement which if paid by the Payment Due Date will prevent any late cost payment.
Payments made by the cheques drawn on a location the place the Bank does not have a department might be topic to a processing and handling fee as determined by the Bank from time to time. «Late Payment Fee» means a cost relevant in case of the Cardholder’s failure to pay at least minimal amount due inside the Payment Due Date. «Insurance Company» means insurance coverage firm as may be determined by BRAC Bank Limited, every so often.
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Such directions can’t be withdrawn /cancelled besides with the written consent of BRAC Bank. Both Local and International (up to $300) e-commerce transaction will automatically be enabled for the credit score cardholders. Cardholder can disable the e-commerce transaction anytime by calling BRAC Bank Call Centre.
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The cardholder and/or his property shall be liable for repaying in full any excellent balances on the card account and shall maintain the Bank indemnified for all costs and expenses incurred in recovering such excellent balances. All Cardholders shall be billed on a month-to-month basis for all Charges incurred by means of Card and for all costs applicable to the Card Account. BRAC Bank shall endeavor that no delay is triggered in sending the Statement to the Cardholder. However, there could additionally be no assertion generated for the period by which there was no excellent due and no transaction on the Card Account within the preceding month. The facility of a Supplementary Card, is a special facility at such fee/rate as may be stipulated by BRAC Bank from time to time. All entries in the Statement of Account shall be presumed appropriate until the Cardholder disputes such entries inside 30 days from the Statement of Account and proves such entry to be incorrect.
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In case any delivery date isn’t specified on the time of buying and the web merchant fails to deliver the product/service; then notify BRAC Bank after 30 days however inside 120 days of the transaction date. The Bank shall not be answerable for non-delivery or delayed delivery of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For fee via Cash Deposit Machine , cash deposits acquired within the ‘envelope assortment time’ as indicated on the machine might be thought-about and processed on the same banking day. Processing of cheque deposits will be topic to cheque clearing hold.
