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«Schedule of Charges» means the list of charges relevant for the providers provided on the Card. These costs are subject to changes at the sole discretion of BRAC Bank Limited. However, such changes in expenses may be made solely with prospective effect giving prior discover of 30 days to the Cardholder. «Electronic Banking Terminal» means any licensed terminal or system in which Card and/or PIN can be utilized. This includes ATM, Point of Sale terminal or e-Commerce through which Card transactions may be carried out or any other authorized terminal or system linked to BRAC Bank electronic banking system every so often.

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In case any delivery date isn’t specified on the time of buying and the net merchant fails to ship the product/service; then notify BRAC Bank after 30 days however within one hundred twenty days of the transaction date. The Bank shall not be responsible for non-delivery or delayed delivery of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For fee by way of Cash Deposit Machine , money deposits received throughout the ‘envelope collection time’ as indicated on the machine will be considered and processed on the same banking day. Processing of cheque deposits will be topic to cheque clearing hold.

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Installment tenure might vary from 3 to 36 months. In the occasion that the cardholder recovers the lost or stolen card, he/she shall instantly return the same reduce 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 same to another get together. BRAC Bank shall provide Statement via email except the Cardholder explicitly informs the Bank that s/he wants hardcopy statement.

The Priority Pass card is just valid up to its date of expiry and is most likely not used by any particular person apart from the cardholder. Processing fee on the transferred amount may apply as per latest Schedule of Charges. Maximum 95% of the available credit restrict could be availed for Balance Transfer. The Bank shall terminate using the card without discover upon the death, chapter or insolvency of the cardholder or when the whereabouts of the cardholder turn into unknown to the Bank as a end result of any cause attributable to the Bank. For cheque fee by way of Drop Box located at various BRAC Bank branches, payment to be mirrored on the following working day. The Bank will credit score the Cardholder’s Card account with the amount of any refund only upon receipt of a properly issued credit voucher from the service provider establishment.

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Once a Balance Transfer has been made, the customer has to continue the stability switch quantity for a minimum of 6 months with BRAC Bank i.e., the shopper cannot switch the steadiness to another bank within the specified period of time. Cardholder can settle partial or full outstanding of other financial institution’s bank card by way of Balance Transfer. The Bank shall not be liable to refund the annual charge or any half thereof in case of the termination of the cardboard account.

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If the present steadiness is lower than Minimum Amount Due then the present steadiness turns into fully due. However, if the Minimum Amount Due is not paid by the payment due date or solely partly paid, the unpaid amount might be added to the next assertion’s Minimum Amount Due. Such transactions will also be subject in to a financial institution Charge as the Bank may decide in its sole discretion from time to time. The exchange rate may 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.

If the disputed Card Transaction seems to be real, the Cardholder shall pay the quantity set out in the relevant Card Transaction together with any fees incurred by the Bank within the investigation of such disputed Card Transaction. Payments will be handled as made from the date on which the payments are actually received by the Bank within 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 payment to be credited to the Card Account. If the Cardholder pays an quantity less than the present balance of a selected month’s bill statement by the fee due date, interest will be accrued on the stability remaining after the Payment Due Date and will be posted in the next assertion.

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Payments made by the cheques drawn on a location where the Bank doesn’t have a branch will be topic to a processing and handling charge as decided by the Bank every so often. «Late Payment Fee» means a charge relevant in case of the Cardholder’s failure to pay a minimum of minimal quantity due throughout the Payment Due Date. «Insurance Company» means insurance firm as may be decided by BRAC Bank Limited, from time to time.