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From time to time, Bank may monitor and/or document telephone calls between the Cardholder and Bank to guarantee the standard of its customer service or as required by applicable law. All playing cards, which don’t have any payments pending for over a month or more, might be renewed routinely. In case the Cardholder does not need his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation must be despatched to the Bank two months prematurely. Intimation sent earlier than two months or less than 30 days before the expiry cannot be accepted. The Bank may present information about the Cardholder and the conduct of his/her accounts to any additional cardholder or to any other person/body to whom the Bank transfers its rights and obligations under this agreement.
PERSONAL IDENTIFICATION NUMBER To enable the Cardholder to make use of the Card, a Personal Identification Number will be issued to him/her. In the event the same isn’t obtained in a sealed envelope, the Cardholder shall contact a BRAC Bank department or the BRAC Bank 24-Hour Call Center. The PIN offers access to the Card Account and the Cardholder accepts the only accountability to be used, confidentiality and safety of the PIN, as well as for all orders and information adjustments entered into the Card Account utilizing such PIN.
The Bank reserves the proper to retain the application types and paperwork provided therewith, including images, and will not return the same. Lost, stolen or broken Priority Pass cards are to be reported immediately 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 cannot make transactions through their respective Cards beyond the stated Credit Limit. The Bank may at its absolute discretion problem a Supplementary Card to a person nominated by the Cardholder and permitted by the Bank.
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A cheque deposit shall be acceptable for assortment and the proceeds shall not be out there until the cheque has been cleared and the proceeds paid to the Bank. Any money deposits might only be regarded as having been received by the Bank upon crediting the same to the Card Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual charge as prescribed by the Bank for the cardboard and an annual payment prescribed by the Bank for each Supplementary Card.
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The fee shall be mirrored throughout the same day of instruction. The supplementary cardholder is sure by all Terms and Conditions except that he or she isn’t answerable for fee in respect of any transactions on the cardboard account. The major cardholder will be responsible 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 payment and finance cost as decided by the Bank once in a while on the amount of cash advance. Finance cost shall be levied on each Cash Advance from the date of the advance until repayment is made in full.
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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 fees incurred by the Bank within the investigation of such disputed Card Transaction. Payments shall be treated as created from the date on which the funds are literally obtained by the Bank in the strange course of enterprise and never from the posting date on the Statement. At least 3-4 days ought to be allowed for the cost to be credited to the Card Account. If the Cardholder pays an amount less than the current stability of a specific month’s bill assertion by the payment due date, interest might be accrued on the steadiness remaining after the Payment Due Date and might be posted in the subsequent statement.
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Use of the Card at any ATM of the Bank or some other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or establishment during which case advance shall be additional topic to the relevant daily withdrawal limit of the ATM. BRAC Bank Limited reserves absolutely the discretion and liberty to decline or honor the authorization requests on the Card with out assigning any reason. In certain 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 may be stipulated by BRAC Bank Limited every so often, as amended. « Cash Advance » means any quantity obtained by the use of the Card, the Card quantity or the PIN or in any manner approved by the Cardholder from the Bank or any other financial institution or monetary 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 contains Primary, Supplementary/Additional and Replacement/Re-issued Cards.
All transactions authorized by the supplementary cardholder previous to the date the supplementary card is obtained by the Bank, are legitimate and treated as binding upon the primary cardholder and are the legal responsibility of the primary cardholder. The Bank shall ship a Statement of Account to the Cardholder each month or at such other regular intervals as deemed match by the Bank. If the Cardholder does not obtain the Statement of Account for the particular Statement Period, s/he ought to notify the Bank within 7 days of the statement date and request a copy of the Statement of Account for the Particular Statement period. Non-receipt of Statement of Account shall not be construed by the Cardholder to be sufficient for non-payment of dues in time. The Bank cannot be held answerable for non-receipt of assertion due to unforeseen circumstances and circumstances outdoors the Bank’s control.
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