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Subject to the requirements of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such changes shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints might be resolved as per the coverage of respective cost network (Visa/ Mastercard) and the choice of the fee community might be thought-about as final. The Bank cannot 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 within one hundred twenty days of buying the product/service; the Bank is not going to be held liable to entertain the complaint. The Bank shall be entitled at any time without the consent of the Cardholder to assign and switch the entire or any part of its rights of obligations under this Agreement.
PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to use the Card, a Personal Identification Number will be issued to him/her. In the event the identical isn’t acquired in a sealed envelope, the Cardholder shall contact a BRAC Bank branch 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 protection of the PIN, as properly as for all orders and knowledge changes entered into the Card Account utilizing such PIN.
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The Bank displays the risk of utilizing the Card within the High Risk Countries. The Bank will try to name the Cardholders to tell them concerning the probable fraud risk that might emanate from such Card utilization at High Risk Countries and shall seek consent from the Cardholder to block the Card from further utilization. In such circumstances, the Bank shall be entitled to quickly droop the utilization of the cardboard until further notice to the cardholder. The Bank will by no means be responsible for any transaction on the cardboard earlier than receiving proper notification of the said loss, theft or disclosure from the cardholder. Credit card bill could be paid by way of bKash app.
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Payments made by the cheques drawn on a location the place the Bank does not have a branch shall be topic to a processing and handling payment as determined by the Bank every so often. “Late Payment Fee” means a cost applicable in case of the Cardholder’s failure to pay at least minimum amount due throughout the Payment Due Date. “Insurance Company” means insurance firm as could also be decided by BRAC Bank Limited, once in a while.
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The Supplementary Cardholder have to be of 18 years of age or over. The problem of the Supplementary Card shall be topic to such Terms and Conditions, which the Bank may deem needed. The payment by the Cardholder of any sum to the Bank in respect of any Statement of Account shall represent binding and conclusive evidence of the acceptance by the Cardholder of the entries shown on that Statement of Account.
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Use of the Card at any ATM of the Bank or another bank or establishment with whom the Bank has an Agreement for the usage of the ATM of the said bank or establishment during which case advance will be additional subject to the relevant every day withdrawal limit of the ATM. BRAC Bank Limited reserves the absolute discretion and liberty to decline or honor the authorization requests on the Card with out assigning any cause. In sure cases, topic to its sole discretion, BRAC Bank Limited may require the Cardholder to contact the Bank’s 24-hour Call Center to authenticate the transaction earlier than approving it and charging it to the Card Account. “Terms and Conditions” means the terms and circumstances set out herein and/or as could additionally be stipulated by BRAC Bank Limited once in a while, as amended. “Cash Advance” means any quantity obtained by way of the Card, the Card number or the PIN or in any manner authorized by the Cardholder from the Bank or some other financial institution or financial institution for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the premise of application made by the Cardholder beneath the name of VISA, MasterCard or JCB and likewise consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards.
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From time to time, Bank could monitor and/or report phone calls between the Cardholder and Bank to assure the standard of its customer service or as required by applicable legislation. All playing cards, which wouldn’t have any payments pending for over a month or more, might be renewed mechanically. In case the Cardholder does not want his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation ought to be despatched to the Bank two months prematurely. Intimation sent sooner than two months or lower than 30 days before the expiry can’t be accepted. The Bank may also present information about the Cardholder and the conduct of his/her accounts to any extra cardholder or to any other person/body to whom the Bank transfers its rights and obligations under this settlement.
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