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The Bank reserves the right to not allow worldwide Transactions up to full restrict assigned for SAARC international locations & Myanmar and Non-SAARC countries so that the Limits usually are not exceeded in the event of trade rate fluctuations or any unauthorized transactions. The Card just isn’t transferrable and its usage is subject to the phrases mentioned herein and any further situations stipulated by BRAC Bank Limited every so often. The Cardholder under no circumstances in any way will permit the Card and/or PIN and/or CVC/CVV and/or OTP to be used by some other individual. The Cardholder might not pledge the Card as Security for any objective in any way. BRAC Bank Limited reserves the best to establish the credit worthiness of the Applicant time to time by obtaining credit score bureau report and such other stories as it may deem necessary and decline to problem a Card to any Applicant at its sole discretion.

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Maximum 95% of the endorsed Travel Quota limit could be utilized by the cardholder for worldwide transactions and the remaining 5% will be reserved for any kind of potential TQ breach. Use of the card exterior Bangladesh without correct endorsement will make the cardholder answerable for immediate cancellation and any other applicable action in accordance with the law. The cardholder may even be liable to clear all the outstanding without prejudice to any right, remedy or motion towards him/her, by the Bangladesh Bank, the financial institution or any regulatory company. Gambling control commission you should have used that technique for deposits before, there are some exceptions that will be further explained.

The Cardholder shall not report the PIN in any type so as to facilitate the PIN coming to the information of a 3rd celebration. BRAC Bank is permitted by the Cardholder for finishing up transactions and directions authenticated by the PIN and shall not revoke the same. If the Cardholder fails to observe the security necessities, s/he could incur liability for BRAC Bank. BRAC Bank could, in its absolute discretion, issue a new PIN on the existing Card.

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E. Charges in Foreign Currency In respect of Cards other than internationally legitimate Cards, BRAC Bank is not going to be sure to take cognizance of, and gained’t be liable in any method in any way in respect of any costs which are incurred in international forex. Without prejudice to the aforesaid, any fee of such Charges made by BRAC Bank might be with full recourse to the Cardholder, and received’t be considered as absolving the Cardholder of any liability in relation to incurring of such charges or payments thereof by BRAC Bank. BRAC Bank shall be absolutely indemnified and held harmless in opposition to all penalties of such funds, by the Cardholder. A delayed or amended charge shall be processed to the Card Account within 90 calendar days of the transaction date of the related transaction.

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From time to time, Bank might monitor and/or document phone calls between the Cardholder and Bank to guarantee the quality of its customer support or as required by relevant legislation. All cards, which wouldn’t have any funds pending for over a month or more, might be renewed routinely. In case the Cardholder doesn’t want his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation should be despatched to the Bank two months in advance. Intimation despatched 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 extra cardholder or to another person/body to whom the Bank transfers its rights and obligations underneath this settlement.

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If the current balance is less than Minimum Amount Due then the present balance turns into fully due. However, if the Minimum Amount Due is not paid by the cost due date or solely partly paid, the unpaid quantity might be added to the following statement’s Minimum Amount Due. Such transactions may even be subject in to a bank Charge because the Bank might decide in its sole discretion every so often. The change fee could differ from the speed on the transaction date as a end result of market fluctuation. The BRAC Bank’s 24-Hour Call Center is available to all Cardholders.

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In case any supply date just isn’t specified on the time of purchasing and the net service provider fails to deliver 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 cost via Cash Deposit Machine , cash deposits received within the ‘envelope assortment time’ as indicated on the machine shall be thought-about and processed on the same banking day. Processing of cheque deposits might be subject to cheque clearing maintain.

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The Cardholder shall always ensure that the Card is kept in a protected place and will exercise every attainable care to stop the Card from being lost or stolen. “Security” means the lien of any account/Fixed Deposit/Financial Instrument towards which the cardboard is issued . “Payment Due Date” means the date specified in the Statement of Account, by which date, cost of the Total Payment Due or the Current Balance or any half thereof or no much less than the Minimum Amount Due is to be made to the Bank. “Guarantee” means lien of any account/Fixed Deposit/financial instrument against the issued Credit Card limit. “Current Balance” means the whole debit balance which shall be debited to the Card Account excellent on the Card Account payable to the Bank based on the Bank’s information on the date the Statement of Account is issued. “Cash-Limit” means the maximum amount of cash or equivalent of cash as defined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.

If the agreed supply date of the online buy is beyond a hundred and twenty days; BRAC Bank will not be held liable to entertain any criticism relating to non-delivery of that product/service. When presenting the Priority Pass card on entering the lounge, lounge staff will take an imprint of the card and concern a ‘Record of Visit’ voucher to the cardholder or make a log entry. Some lounges have digital card readers, which is able to take the cardholder’s detail off the magnetic strip on the reverse side of the Priority Pass card. Where applicable, the cardholder must signal the ‘Record of Visit’ voucher, which may even reflect the precise number of accompanying guests, if any, but does not show any per person per go to charge. In the event of any quantity charged towards Priority Pass Lounge visits, which is due and payable by the customer, the client shall be liable to make the payment to the Bank irrespective of whether the card has been closed for any cause in any respect.

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Use of the Card at any ATM of the Bank or another financial institution or establishment with whom the Bank has an Agreement for the utilization of the ATM of the said bank or establishment during which case advance will be further subject to the applicable daily withdrawal restrict of the ATM. BRAC Bank Limited reserves absolutely the discretion and liberty to decline or honor the authorization requests on the Card without assigning any purpose. In sure instances, topic 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 situations set out herein and/or as could additionally be stipulated by BRAC Bank Limited from time to time, as amended. “Cash Advance” means any quantity obtained by means of the Card, the Card number or the PIN or in any method authorized by the Cardholder from the Bank or any other bank or monetary establishment for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the basis of software made by the Cardholder beneath the name of VISA, MasterCard or JCB and in addition contains Primary, Supplementary/Additional and Replacement/Re-issued Cards.

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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank name center at and provides instruction of debiting cardholder’s BRAC Bank current/savings account to pay credit card bill. This course of will require PIN verification. The Cardholder may choose not to settle the current balance in full, by which case the cardholder should pay a minimum of ‘Minimum Amount Due’ as determined by the Bank every so often on or before the payment due date.

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