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“Credit Limit / Purchase Limit” means the utmost debit balance permitted by the Bank for the Card Account for the Primary and the Supplementary Card, if any and notified to the Primary Cardholder every so often. “Cardholder” means a person whose name is in a Card Account and who is answerable for all transactions and liabilities on the Card Account. It consists of Primary and any Supplementary Cards. “Authorized Dealer” means a licensed dealer as defined within the Foreign Exchange Regulations Act 1947 as amended every so often.
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If the disputed Card Transaction turns out to be genuine, the Cardholder shall pay the amount set out in the relevant Card Transaction together with any fees incurred by the Bank in the investigation of such disputed Card Transaction. Payments might be treated as produced from the date on which the funds are literally received by the Bank in the odd course of business 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 lower than the present stability of a particular month’s invoice statement by the cost due date, curiosity shall be accrued on the steadiness remaining after the Payment Due Date and will be posted in the subsequent statement.
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Cash-limit varieties a subset of the Cardholder’s Credit Limit/Purchase Limit. “Card Account” means the account opened within the name of the Cardholder and maintained by BRAC Bank Limited for the aim of utilization of the Credit Card as per the terms and conditions contained herein. BRAC Bank Credit Card Terms and Conditions 1. Definitions & Interpretation “Applicant” means one who has/have applied for a Card to BRAC Bank Limited. Still have you a query then be happy to ask by comment.
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All transactions approved by the supplementary cardholder previous to the date the supplementary card is received by the Bank, are valid and treated as binding upon the primary cardholder and are the liability of the primary cardholder. The Bank shall deliver a Statement of Account to the Cardholder each month or at such different regular intervals as deemed fit by the Bank. If the Cardholder doesn’t receive the Statement of Account for the particular Statement Period, s/he ought to notify the Bank inside 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 enough for non-payment of dues in time. The Bank cannot be held answerable for non-receipt of assertion as a result of unforeseen circumstances and circumstances outside the Bank’s management.
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From time to time, Bank might monitor and/or report telephone calls between the Cardholder and Bank to guarantee the standard of its customer service or as required by relevant legislation. All cards, which don’t have any funds pending for over a month or more, shall be renewed routinely. 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 upfront. Intimation sent sooner than two months or less than 30 days before the expiry can’t be accepted. The Bank can also present details about the Cardholder and the conduct of his/her accounts to any further cardholder or to some other person/body to whom the Bank transfers its rights and obligations beneath this agreement.
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If the current stability is lower than Minimum Amount Due then the current steadiness becomes fully due. However, if the Minimum Amount Due is not paid by the payment due date or solely partly paid, the unpaid quantity might be added to the next assertion’s Minimum Amount Due. Such transactions may also be topic in to a bank Charge as the Bank might decide in its sole discretion once in a while. The trade fee may differ from the rate 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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Once a Balance Transfer has been made, the customer has to proceed the balance transfer quantity for a minimum of 6 months with BRAC Bank i.e., the shopper can’t switch the stability to another financial institution inside the specified time frame. Cardholder can settle partial or full excellent of different financial institution’s credit card through 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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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 dealing with charge as decided by the Bank every so often. “Late Payment Fee” means a cost applicable 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 determined by BRAC Bank Limited, once in a while.
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The Priority Pass card is only legitimate as much as its date of expiry and will not be utilized by any particular person aside from the cardholder. Processing charge on the transferred amount could apply as per latest Schedule of Charges. Maximum 95% of the obtainable credit limit can be availed for Balance Transfer. The Bank shall terminate the usage of the card without discover upon the death, chapter or insolvency of the cardholder or when the whereabouts of the cardholder become unknown to the Bank due to any trigger attributable to the Bank. For cheque payment through Drop Box situated at varied BRAC Bank branches, payment to be mirrored on the subsequent working day. The Bank will credit the Cardholder’s Card account with the amount of any refund only upon receipt of a properly issued credit score voucher from the merchant establishment.
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